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Yeah. Nice. Nice. Busy day. Well, I've got your it's been really busy this week, actually. I've had a interesting week, but it's been good. Busy's been good. It's been productive. So that's the most important part, really. Yeah. Good. Really well. Thank you. I'm so sorry that I missed your emails the other week. I don't know what happened, but I couldn't find them anywhere. That was really bizarre. That's so weird. I searched for them everywhere. They weren't coming up. I'm so sorry. They might have got diverted to, like, one of the junk boxes or something, but that doesn't normally happen with your email. So no. Never. I actually went back to my IT guy and said, just make sure these emails come through because, you know, I don't wanna don't wanna be missing anything from that. He just sends me lovely pictures of gold all the time. I did. I found them eventually. They're fantastic. How's everything going with the prospecting? Yep. Yeah. Wow. Yeah. Yeah. Absolutely. Understandable. Wow. It is it is a very nice commodity in all honesty. It has been going bank gangbusters for a while. And, look, this year with the amount of volatility we are seeing, again, commodities are really important, and people do want some of them. So I think you're right. I think we're gonna be seeing that for a while to come yet. So Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. It'll he's an interesting soul, that one in me. Yeah. All good. I have your advice document for you. I've emailed it through. Do you have access to your emails there at the moment? You're right. Easy. Just while you're jumping into that, just letting you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to record the rest of the call? Fantastic. Not really. No. It's more just to make sure that I'm doing my job correctly. Yeah. I am. Don't worry. I'll look after you. No. I also do I also do use it for being able to help me do my file noting. So because I do have, like, a lot of people booked in on a daily basis, I can have anywhere from, say, three to six or seven clients to talk to on a daily basis. So you kinda forget some of the conversations that you have. So I do keep the call recordings, and I can put them through a system that helps me to generate my file notes. So I don't have to remember everything about the last conversation. I can kinda prompt myself utilizing the AI file note system. So it is pretty cool for that purpose as well. I am. I am. Oh, good. I just have to do security with you as well then. If you can just let me know your full name, date of birth, and address, I should have on file for you. Yep. Yep. That's the one. Perfect. Beautiful. Thank you so much for that. Now how's that email pop through to you there? Have you managed to grab that one at all? Yep. So when you click on that button that says sign documents, it should take you through so you can view the statement of advice there. Perfect. Perfect. So on the first page there, you'll see statement of advice prepared for yourself, Nathaniel Brickner, as of the 03/19/2026, which is today. And it's being completed and organized by myself and my lovely team here at Oakview Financial. My authorized representative number is on the bottom of that for you. It's 1304394. Okay? If you scroll forward to the next page there, you'll see it does note best interest duty. It's just letting you know there that we take pride in making sure that any advice provided is there to help you meet your goals. We provide advice under the best interest duty, and any advice provided does need to be in your best interest. And through the document here, we do outline a best interest duty on how the recommendations are there are made in your best interest and how they are there to help you meet your goals. Okay? If you scroll down past the table of contents, you've got a couple of pages noting the scope in, scope out section. So areas that we are looking at at the moment are superannuation, looking at helping you make your super work towards your goals. You wanna access super at the age of 60, but you have other goals of being able to retire earlier than that. We've also we've no. You're fine. You cut me off. It's fine. Like, this is your time. This is your document. If you need me to stop or you have questions or anything that you wanna add, you let me know. Okay? I'm more than happy for to stop and sort of let you jump in at any point. That's okay. The next section here is about our personal insurances. So you do have your insurances within Aware Super there. We are retaining the income protection component. You're not really worried about life and TPD. They don't have any of that anyway. You do also have an employer paid policy that you kinda sent to me. So we have had a good review of that for you, and I've made a recommendation on that one for you. We've got the estate planning side of things in there as well. So you wanna give beneficiaries to be paid to your daughter. She is a minor, but making sure that she receives the benefit. So I have made a recommendation to assist you with that. And we've also got your personal investment side of things. So you're hoping to be able to retire earlier than 60, say, between 50 to 55. So you've got some money set aside and wanted to sort of have a goal of drawing down an income of between $6,600 per week to 800 per week. So we've looked at personal investments and how to structure that for you. We have also considered what to do with the investment prop with your land as well. One of those there was something else you asked me to look into was what to do with the land. So I have also popped in there a little bit on whether you sell that or not. Okay? Perfect. You alright? Are you okay? It's all good. All good. And then areas that we've scoped out is just the personal insurance side of things. So you don't have life, TPD, and trauma. You weren't sort of worried too much about about those sorts of options there. We've scoped those out of the advice document. Okay? Perfect. So to make it easier, if you scroll down past the limited advice warning, that's just letting you know that this advice is a limited advice document which goes in and out areas that we are and are not providing advice around. You've also got here that we're not lawyers. So when it comes to the estate planning side of things, we do put a recommendation in there to speak to a solicitor to have a will and power of attorney drawn up, but we don't do those for you. So we can refer you to a solicitor to do for the drawing of a will and power of attorney. Or if you do have one that you're comfortable working with, that's always fine as well. Okay? We've also got it in here that under the Better Advice app 2021, I am a qualified relevant tax provider. That essentially means that I'm able to provide financial advice around tax and tax related issues. However, we're not accountants. So we can't do your tax return for you, but we can refer you to a qualified tax accountant should you require the services of one. And we provide advice around personal insurance products, so things like life, TPD, income protection, certain types of business liability insurances. Other types of insurances are general insurance products, and we don't provide advice around general insurance products, but we can refer you through to a general insurance broker if you require the services of one. All good? Perfect. The next page has the about you section. If you can just run your eyes over that one for me. Just to yeah. Just let me know if there's been any major changes there at all. Nice pay increase under the sun at all. Yeah. Have you got any pay rises? Oh, wow. Okay. Perfect. Perfect. That'll be great. Well, when you do, feel free to let us know, and we can always update the advice to reflect for you, okay, if there's any need to. Perfect. Yes. You can be single if you want. Yep. Yep. That's fine. Not a problem at all. Did you want me to update the advice document so it sort of reflects that to you or just in the back end is fine? Yep. No. That's that's okay. It's honestly not a problem at all. I'll make a note here that moving forward, you'll be known as single until you find the girl of your dreams. Okay? Oh. Everything's good? Yep. Perfect. Excellent. The next page that outlines your assets and liabilities there is double checking to see if there's been any major changes at all. This is from when we did the annual review back in January. So there could be some changes to maybe update there, but I just wasn't really sure if you needed any of those figures updated. It's it's really just the savings that kind of reflects in the advice document. But if anything else has changed, I'm happy to update it in the back end for you. Yep. That's okay. That's good. Yep. Yep. That's fine. Not a problem at all. Beautiful. And then underneath here, we've also got your superannuation. So we didn't have 24. And Aware, you've got your two balances there reflective as they are when we completed the document there. So 3800578 in Aware super and $292.06 3 and 72¢ and have 24 currently. Okay. Absolutely. I've updated the document to reflect that, and we are do definitely wanna do a transfer of everything but 10,000. But I just wanted to provide this and update the advice for you first up. Okay. Perfect. The next page does outline your insurance policies there. The top the top ones are your Aware Super policies. You will see here that the policy for your income protection is noted as two separate, and that is because Aware noted as two separate policies. You do have one income protection. You're just paying for the two separate amounts. It's like they were fixed as separate policies in Aware. So when I got your statement through, we had a really good scan of it. Essentially, you're covered for a monthly benefit of about 5,000 that's before income tax is effective. You have a ninety day wait and a five year benefit period. They are steps policies. It's just that you just have they're just noted on your statement as two separate policies. So I noted them in here the same way your statement notes them. Okay. Perfect. And then you've got your VMIA policy as well. This is the employer paid policy there. I had a really good look at the information provided, read the PDF document, went through it all. This is essentially an outline of the policy, and I've got more details below for you. It does offer a lump sum benefit. We are limited to knowing exactly what the lump sum is and what it is paid on. It seems to give us, like, a list of different scenarios that the lump sum benefit could be paid out at and how long you need to be have provided service to be able to get that lump sum benefit given the different circumstances. But it does offer a lump sum benefit in the event of certain illnesses or traumatic events or, you know, certain disabilities that might occur. And it also does offer a weekly benefit amount. It doesn't seem to have a waiting period, but it offers that for about a hundred and four weeks. Realistically, both of these policies have a place. This VMIA policy is not necessarily income protection. It's more just a like, a accident benefit, and it's employer paid. So it was actually not a bad benefit to keep to have on the side there. So I have noted both of those to give you a bit of information around those. Okay? Perfect. Now to make things easier, I will let you go and have a really good read of the entire document there. But if I can get you to scroll down for me straight to page number. Sorry. I think I've passed it. Nope. Nope. There is another I've got all the no. I'll get you to scroll down for me, sorry, to page number 25. Yeah. 20 five. Yeah. Oh, good. I'll sort of show you the tables that gives you an outline. I'll talk you through the advice as we're going through these tables here. This just seems to be the best way to kind of explain it so you're looking at the what it is I'm talking about as I'm explaining the advice to you. But then you can also go back later. I've got all the sections individually noted, which is kind of what you're going through at the moment to get to this page. And each of those individual sections out well, outlines the advice as I'm gonna explain it to you. Each individual section does have the advantages, disadvantages, and the risks involved and any, you know, risks, warnings, and any alternatives I've considered. So I'll run through what I need to with you, and then I'll let you go back and read it all. And then you can always come back to me with additional questions if you need to. Okay? Perfect. Now the first recommendation that we are making is with regard to the super there. So you were working towards being able to access super at the age of 60. And when we sort of spoke at in January, we did note that some of your underlying investments had been underperforming. So we wanted to do a bit of a revamp of the, portfolio and make sure we're rolling some money out of Aware Super so that the money in hard '24 is working harder for you. That way, you're revamping things and removing those under underperforming underperforming investments. I do apologize. Sorry. So what we're gonna do here with regard to the recommendations, so moving all about 10,000 out of Aware, that just leaves you with $10,000 in Aware in the high growth option. There's no need to change that investment option. It does when we look at Aware and Hub 24, it does still keep you in line with your risk profile, which is great. So removing about $28,005.78 and 45¢ from Aware and investing that in the Hub twenty four. Inside Hub twenty four, we're also gonna alter the portfolio some. So Ben along Australian Equities, that's the second investment down under the Hub twenty four column. That one there has the one that's been underperforming. That's the one we spoke about. It has held your portfolio back a bit for the last few months. So we have made a decision to remove that completely from the portfolio. So we're selling all of that down. Within your hub 24, we're also gonna utilize and because Bennelong has seen some losses within the portfolio, we can utilize that to offset some of the gains and also rebalance your portfolio. So you're not overexposed to any particular area or or overexposing your portfolio to more risk than you need to because it is very volatile at the moment. So aside from selling all of that along there, we're also gonna sell a portion of the battery and lithium pack. We're selling all of the bank hybrids because they're about to be phased out, so we can sell them now whilst we are maneuvering the portfolio and replace that with something else. And, yes, Critical Gold is doing very, very well, but you do have a lot of it right now. So we do need to rebalance the portfolio back, and we're gonna sell a little bit of that. You'll still have 6% invested, which is great, and it'll grow more. We're essentially cementing the gains that it has been so we can have that reinvested back into your portfolio and so that money continues to grow. Okay? That beautiful. I thought when I saw the physical gold, I'm gonna I'm gonna have to focus on this one a bit because you'll be like, why are we selling gold? It's not a bad price. It's a good price. Once we've kinda completed those sell downs there, we're gonna buy into the cybersecurity. So we bring that back up from the 5% to about seven. We're gonna instead of having the core composite bonds, we're gonna hold this, the iShares core composite bond. So instead of bank hybrids, we're gonna hold the core composite bond. Essentially, because bank hybrids are being phased out in the future, we're gonna remove them now out of your portfolio so we don't have to at a later time. Core composite bonds, again, are a defensive investment, but this gives you access and exposure to both government and corporate funds, not only here in Australia, but globally as well. So it's giving you diversification. It's a defensive investment, and bonds are really good for income producing. They're a bit like term deposits where you put your money into, you know, the bondholder. You give your money to the bondholder. It could be a company or the government. They use that money to either invest in their company or to lend out to other, yes, borrowers if it's like a bank or something. And then they guarantee you, a certain rate of return, a bit like with your term deposit. You might get an a a cash rate of, like, 3% on your funds, and at the end of the term, you get your your interest as well as the income, as well as your capital back. The same thing works for bonds. You're essentially giving your money to the government or to the company. They're gonna use it for something internally. They're gonna tell you that you're gonna get this guaranteed rate of return, and then they essentially give you your money back at the end of the term with the interest that you've earned there. Core composite bonds can also pay coupon payments throughout the term of it. So you might get money back on a monthly, fortnightly, or even your half yearly basis, And that's really good for your portfolio because money earned out of the investments is put back into your cash account and reinvested back into your portfolio. Okay? We've also got the S and P 500. So we are buying a little bit more of that, bringing your portfolio back to 25% there, having some port some bank property to bringing your portfolio back to 5% there. We've got the beta shares Raffy 200. We're still keeping that, buying some more, and bringing you back to 15% there. And because we're removing the Benelong Australian equities, we're gonna buy into the beta shares a 200. This is giving you access to the top 200 companies in Australia. Essentially, with the a two hundred, it's it's still giving you the exposure into the Australian equities, which is what Bennelong exposure was giving you into. However, Bennelong tends to hold anywhere between, you know, 15 to 30 different companies, whereas the a two hundred is the top 200 companies on the ASX. So you've actually got a little bit more diversification by holding that one. The a two hundred actually pays really good high dividends as well. So receiving dividends out of these investments, again, is good for compounding those dividends. The income payments that get paid to your cash account and reinvest it back into your portfolio so that we can compound forward over time. So that's essentially the portfolio, the buyers and sales, and how that will look at the end of it. On the very last column, the target balance there will show you. So you'll end up with the the 10,000 in the high growth portfolio within Aware there. You'll end up with some battery and lithium tech, some physical gold, some we've got some cybersecurity, the core composite bonds, the S and P 500 in The US, and then also some VanEck property, the beta shares Raffy 200, and also the beta shares a 200 at the bottom there. So that's what your portfolio will look like once it's all kinda being rebalanced for you. Okay? If you scroll down for me to page number 27, I'll show you the fee table because a part of making this decision isn't just about what we're buying and selling and making your portfolio look good. There's also making sure that it's working for you, and the cost of doing so is really important as well. So you'll see here you've got the fee comparison table, and the first column is your current. You've got your hub twenty four with the current balance there. You've got the administration fees, investment fees, no other applicable fees to the fund there. The ongoing service fee for our services, there's no contributions in the hub twenty four and no insurance premiums being deducted there. You've also got a where and your current balance there with your administration fees, investment fees noted. There's contributions going in. No adviser fees coming out of the Aware Fund, and the insurance premiums, they're noted as well. Between the two funds at the moment, you are in a growth portfolio, and that growth portfolio over the past three years averaged about 7.5%. We've had to use a three year rolling average for this one because, unfortunately, the bank hybrids haven't been around as an investment for five years, so we don't have a five year rolling average for that one. The performance hasn't been bad. Admittedly, this is just an average of how these investments have performed over the past three years. Averagely, we know that some years, you've received a lovely 10 or 15% return. Other years, it might be only 5% return, and this year has been a little bit less just because of what happened with Bannalong there. But it's not a bad return and not a bad portfolio to be in. By making the changes that we just went through before, within a way, you'll end up with 10,000 and have 24. We estimate a total starting balance of 318,505. The difference there is 337. Now CDT consequences for going through and changing your portfolio. So because Benelong is down, it seems some losses. We're able to offset a lot of the CDT consequences with the losses there. But by rebalancing your portfolio, it's estimated the CGT cost on your super fund, the tax cost will be $337. So this will all be dealt with by your super fund. Your super fund every year does a tax return just like you do in your own personal life, and they will account for that additional cost as part of the tax return that they do for you. Does that make sense so far? Yep. Perfect. By making the changes above there, you'll actually see the administration fees are different. So the administration fees actually decrease a little bit by a 155. So we can save you, for the first year, a $155 on administration fees. And then by making the switch, you actually save $589 on investment fees. So by removing Benelung, removing the bank hybrids, replacing those two investments, and rebalancing your portfolio, your investment fees actually decrease for the year. So we save you about $589, which is really good because that's money that stays in your portfolio, which is working harder and compounding towards your retirement goals. Okay? Yep. Perfect. Your ongoing service fees do remain there. They are gonna increase a bit because the balance in Hub twenty four is increasing as well. As kind of we go through our ongoing service fees, they are 1.65% per annum. It is deducted in smaller monthly increments out of your super. This is showing you the estimated fee for the first year oh, for this year. Sorry. With the ongoing service fee, as it is a percentage based fee, it fluctuates with the market. So when our performance or when your performance in your super is doing really well, it means that our fee is gonna be a bit higher as well. However, when the market takes a bit of a dip with the volatility we volatility we are seeing at the moment, we can see those downtimes. So it means that, you know, when the portfolio is not performing as well, when we see downtimes, then our fee is gonna take a bit of a dip there with it as well. So our fee is linked to the performance of your portfolio, which is really important. Okay? Perfect. You've got your contribution still going into aware. We'll keep those going into aware. That is really important to retain your income protection for the time being, and then your insurance premiums there as well for your income protection inside Aware. With the changes that we have above that, the still within that growth portfolio range, giving you that eighty twenty split, Making those changes and reevaluating how the portfolio has performed over the past three years, the rolling average is 15.04%. So it has seen a greater performance than the previous essentially, the previous portfolio that we're in. We know markets go up and down. I don't expect you to get 15% every year over the next sort of ten years. However, if the market did perform really well and you were able to average that 15% on a yearly basis over the next five to ten years, Underneath that, you can see a projection table that estimates where you could end up. Okay. Perfect. Do you have any questions so far? If you do, you you're fine. There's no such thing as silly question. It doesn't matter what it is. You're welcome to ask it. Yes. Yeah. Correct. So it it takes it takes the initial initial balance. It it takes into account all the fees, your contributions, your insurance premiums, and then it projects with the the five the three year rolling average that we have here. And if you were to obtain that kind of five three year rolling average, sorry, over the next five to ten years, this is where you could end up. Okay? Perfect. Underneath that, we do also have the annualized returns as of the February 28. So it just shows you how the two different portfolios have performed in comparison to each other. Okay? So that is essentially the super. We are also recommending that you do retain the Aware super as well as the Hub 24. We'll do regular annual rollovers of everything by $1,010,000 dollars. I do wanna see if Aware will allow us to add an opt in form as well just in case anything happens and say you're not working for a period of time without contributions going into Aware. If contributions don't go in for sixteen months, your income protection can cancel. Whilst there's no risk of that at the moment because you are actually working, I still like to try and sign an opt in form. It's just a sort of a backup protection for Aware for the industry funds to make sure that your insurance is remaining placed. So I'll I'll organize the one to be signed. We'll send it off to them and see if they'll accept it on your behalf for you. Okay? Perfect. When it comes to the best interest duty statements, and you'll see these through in there, essentially, both these recommendations are in your best interest. So the first recommendation to alter the portfolio within Hub 24, it's recommended and designed to reduce the overall investment management fees while maintaining your aligned growth risk profile over the longer term, working towards your goals and objectives. Essentially, lower fees provide a greater sorry. Will allow a greater portion of your superannuation to remain invested in compounding over the longer term, and replacing underperforming investments and the bank hybrids as they are being phased out will allow changes to your portfolio, and the newer portfolio has had a greater rate of return. So that can put you in a better position to achieve greater growth over the longer term depending on what the markets do. Okay? Perfect. Retaining aware is in your best interest because you do have your income protection there. Having contributions going in and retaining that income protection is really important for the time being. So if anything was to happen, even though you do have some savings set aside there, because we are looking to invest that money, having the income protection provides an extra layer of cover. And while the benefit is probably not, it's a little bit lower than where you would realistically need based on income, it is still providing you with a level of benefit that we can always use to substitute with investment income if we needed to down the track. But having that income protection there is still giving you a level of cover that you wouldn't otherwise have. Okay. Perfect. Does that all make sense so far? Yep. Yeah. That's okay. All good. I'll try to go nice and slow through it all, try to make sure I'm explaining what I need to. You'll get the chance to go back and have a read through it as well. So sometimes it can be hard, and I'm sort of going through the pages and looking at the things I need to to explain it to you, but sometimes it's easier when you go back and you sit down with it and have a bit of a read without me in your ear. It can always sort of make a little bit more sense, and then you can always come back and ask me extra questions later on as well. Okay? Yep. Absolutely. Absolutely. Yeah. No. Perfect. If you scroll down there for me to the next recommendation, this is on page number 22. This is about your employer paid policy. The insurance is there. 22. Yeah. So this is the VMIA insurance policy. It is an employer paid policy, and it is only offered to essentially workers in your area of work, which is kind of cool. I am recommending, obviously, that you don't, you know, keep it. There's no way for you to cancel it, but it is a really good policy to make sure that you do have access to and are able to retain. It is paid entirely by your employer, so at no cost to you. The best insurances are the ones that you don't have to pay for. And it does provide, depending on the circumstances you're in and the accident available, a lump sum benefit of up to 250,000 there. It also does provide a weekly benefit of $2,000. It essentially covers you sorry, for a hundred and four weeks. And this policy is in place until the age of 75. So you'll be well and truly retired by the time this policy stops, but it does essentially expire at age 75 for yourself. The benefits to holding this policy are that it provides twenty four seven worldwide coverage, not limited to what sorry. You're right. Are you okay? Can you hear me, Nate? Yeah. Yeah. All good. My phone my phone just sort of did something a bit weird. So I wasn't sure if I still had you or not. Sorry. No. No. No. My phone did, like, a weird clicking sound, and I wasn't sure if I lost you or not. The policy offers twenty four seven worldwide coverage, not limited to workplace accidents. It covers both death and capital benefits. It provides a weekly injury payout, a 100% of salary up to 2,500 per week. The policy we had noted offers a $2,000 benefit. So I'm not sure whether it increases depending on the income at the time of claim, but we've noted essentially what the certificate of currency has on it that we were able to get. It does have also includes secondary psychiatric impairment coverage of up to 750,000. This is if caused by a physical injury. It can provide additional benefits to top up work cover or tax claims. It acts as a primary cover if you're not on work cover or a tax claim. It does not prevent you from claiming under any other policies. So if you're on this policy, you can also claim from your income protection policies. You can have them working in unison as long as the two policies together, you're not claiming over 70% of your income. Okay? It does have a formal resolution, dispute process if needed, and, essentially, it also it's managed by Decker's injury management team. The disadvantages of retaining this policy are that preexisting medical conditions are not covered. It the cover applies automatically to only those 18 to 75 years of age. Essentially, the policy provides benefits specific to accidents and injury, not general life insurance or standard income protection. So it's not really a life insurance or an income protection policy. It's more just an accident benefit in the event of something occurring to you. It's only it's only applied to employees authorized for bushfire management with current medical fitness and role accreditation. So there there any sort of employers that can be covered under this policy. There is a $25 excess for things that aren't Medicare included. So if you have to go and get additional tests or anything that's not covered by Medicare, there is a $25 excess that is payable for those sorts of things. But I think they kind of let you know at the time of claim or if there's something that has to be done, how that works for you. Okay? Perfect. So it's actually not a bad policy to keep. It's not a bad policy at all. And, look, honestly, the best kind of insurances are insurances you don't have to pay for. So it it just says it provides twenty four seven worldwide coverage. So if you have an accident, you can contact them 247, and someone will be able to help you with the claim. Yeah. Nice. It didn't tell me any of that on the thing, but, look, I honestly, if you injure yourself, I would give it a go. What's the worst I can say? No. So yeah. Perfect. Perfect. Yeah. Right. Well, I mean, that's probably gonna tell you if it's possible. Did they claim successfully on the policy? Yeah. Yeah. Okay. Pretty serious. Yeah. No. Perfect. Well yeah. You alright? It does. Yes. So, realistically, if you're hoping to retire around about the age of 50, then we probably won't need to have it any longer than that. So we'll just keep reviewing it as long as we need to. If there's any ever a point that you don't think you want it anymore and you're comfortable canceling it, absolutely, we can do that. Alternatively, if you stop working at 50 if the investment works the way we want it to and you're able to start working at, say, 50 or 51 and you're no longer working, the policy will be null and void. It won't be any point in keeping it because you won't be able to claim on it by being no no longer employed. So at least at that point, we'll be able to cancel and roll everything over from Aware then for you as well. Okay? Perfect. Yep. Yep. Yep. That's okay. Yeah. Yep. Perfect. Easy. If you can scroll down further for me, the next recommendation is around that investment option, and that's on page number 29. Perfect. To make it easier, if you actually scroll down to 37, this has got that same fee comparison table. I can talk you through the recommendation while you're sort of looking at this to make it easier for you, because sometimes having a visual is a little bit easier than all those pages of writing. 37. Yeah. You'll have a fee comparison table there. Yeah. Sorta looks like the one you're super had. So I think go down to 38. My apologies. My document has a different page number on it, so you're so sorry. You're absolutely fine. So with this one here, we talked about leaving about 70,000 behind, and you wanted to look at investing about a 160,000 into an investment account so that you could try to hopefully retire a little bit earlier there. So we have made a recommendation and looked at with Hub twenty four. So it'll be the with the same provider that your super fund is with. So you can look at your Hub twenty four and see your super and your investment account there in the account there in the one platform to make it easier. We'll start by investing initially a 160,000. Within Hub twenty four, you do have investment fees and administration fees on the investment account as well. We do add an adviser fee to this one for the monitoring of the the account. The investment ongoing service fee is 1.1. So it is lower than super, and that's for us looking after it. So we estimate for the first year to be 1,879. And then regular contributions is of $5,400. One thing we took did talk about was you were comfortable investing around about $400 on a a monthly basis into the investment on a regular basis to keep it growing, but you were also comfortable with me working at how much you needed to invest in order to meet that goal. We need to increase your contributions to $450 on a monthly basis and have it invested to be able to see it grow to the level it needs to for you to be able to take on those retirement goals and retire before the age of 60. Okay? Yeah. Beautiful. Yeah. It's okay. So it's starting with a 160,000, and then dollar cost averaging in on a monthly basis, $450 a month into the investment and keeping that growing. We are looking at a growth portfolio. So if you scroll back there for me, three, to page number 36, you'll see essentially how we'll have these funds invested for you. Very similar to how your your super is invested. There is a few differences there. So within this investment portfolio, you'll see you still got some beta share cyber security, some India quality ETF, some global health care, some S and P 500, so some US equities. We've got the Rafi 200. We've also got the beta shares a 200 in there. JPMorgan Global Enhanced Research Equity Fund. This is essentially giving you access to global diversified investments. Diversification is really good, not just having investments in Australia and The US, but diversifying across the globe. So some physical gold, so, again, 8% in physical gold in this portfolio. The iShares yield plus, which is essentially more of a defective kind of investment, giving you access to high quality cash investments that pay good dividends, and then some core composite bonds in there as well. So that's essentially where the funds will be split for the 160,000. And back there on page number 38, this is a growth portfolio. So the same sort of portfolio that your super is invested in currently. And looking at the last three year rolling average, this has averaged about 15.75% on a yearly basis. Okay? Perfect. Now the good thing about this investment is that it is an an investment account unlike Super, so you can increase and add additional amounts to it. So if you have some extra money on a monthly or a weekly basis and you wanna add a little bit more in there or increase that from the $4.50, you absolutely can. There's no contributions cap. There's no limits on how much you can put into the investment. It's essentially there to try and build so that you can retire a bit earlier and draw some income out of the portfolio. Okay. Essentially, holding this investment and having it work, as long as it provides and if it was able to get this standard rate of return over the next five to six to ten years, you can see below where, essentially, you could end up. The 450 the 450 on a week monthly basis. Sorry? Yep. Yep. It absolutely does. Yeah. It takes the original deposit plus the regular contribution and the growth rate and then subtracts all the fees out of it. Yep. Perfect. So it is good. We do understand that markets go up and down. There is a bit of volatility there. So this projected balance could alter somewhat. What I wanna do with you is obviously catch up and do our regular reviews and see how things are tracking to make sure that you're on track to do this. There is obviously a risk the markets may not perform the way, say, they have in the past or the way we want them to, and therefore, it might take an extra couple of years before we meet this goal. But we'll keep looking at it, keep tracking at it, see what we need to do, and also the advice as we are moving forward. Essentially, having a look at things, we did look at the age of 50. And if you sort of scroll down to the next page for me, you'll see we've got two drawdown tables. We did look at the projected balance at the age of 50, and if you were to stop working what this looks like based on the projected balance and drawing down regular income of $800 on a weekly basis, Your and we're using a conservative rate of return for the for the projection once you've actually retired. Because when you stop working, you generally don't wanna take as much risk in the market, so we tend to use a lower, more conservative projected figure for growth in that time frame. So you'll see sorry. The five year rolling average that is much lower than what it is above in the table above there. Okay? So if you are if you stop working at the age of 50, if we have this balance here at that time, you'll have admin fees, investment fees, ongoing service fee in the account there, and your regular drawdown on a yearly basis, which works out at $800 on a weekly basis or $41,800 on a yearly basis. If you're drawing that down, essentially, between the age of 50 to 55, we can see there how much the balance has has dropped away by. So it goes from 308 to 156. And, essentially, by ten years, the balance is completely gone. The idea is that this investment money, is there to sort of supplement your income and draw down income so you can survive that ten years between 50 to 55. This projection doesn't quite get you there. It doesn't quite meet that goal. So in year nine sorry. You're right? This is 50 to 55. Oh, sorry. No. Sorry. 50 to 55 for the five years. The ten year takes you to 60. So it essentially shows the money runs out a little bit before you turn 60 there. Okay? Because the negative figure yeah. Yeah. So it really only lasts about nine odd years. You'll have a little bit of residual there, but it's only really lasting about nine years, which is not really what you want. So the next the next page shows you the different outcome. If you're able to hold off to age 51, so long as the markets work the way they want them we want them to, and we end up with this projected outcome or close to with the admin fees, investment fees, ongoing service fee there, and drawing down the same $800 on a weekly basis using that conservative projection growth rate whilst you are drawing down, the funds last a little bit longer there for you. So you can see 50 to 51 to 56, you end up roughly about 209,000 after drawing down and eating away some of it. And then at nine years, this takes you to the age of 60, and there's still a little bit of residual balance there for you as well. So it does look like projected forward. We would need you to wait to age 51 before you access those funds and actually stop working. However, this is utilizing past performance, and we know markets are volatile. So we will check this every year. We'll talk about what's happening. We'll look at what your goals are and keep trying to sort of project things at to see where we're tracking, where we're heading. And when you get closer to that fifty fifty one, we can actually sort of have a look at what we're what we're sitting on and how that's gonna look for you and how it's gonna work. Does that make sense? Yep. Perfect. Do you have any questions about that? I know it's a lot. I'm sorry. I tried to sort of slow it down a bit for you. But is there any questions you wanted to ask? Does that all make sense so far? What are your thoughts and feelings? There is. Yes. Absolutely. Absolutely. Yep. No. There are there are a lot of uncertainties with the market, but that's the most important part is that we review things on a regular basis. So, you know, having the money invested and building towards your retirement or building towards the option of being able to stop work earlier is still better than not. And if we get to, you know, closer to and we find, hey, it might not work the way we've been hoping. We might have to hold off for another year or two. You've still got that extra couple of years up your sleeve because you did sort of note that you were comfortable working to 55 if you had to or even just dropping back a few days a week and we look at partial. So there are other things that we can do. I personally, you know, don't see an issue with where we're tracking. When you sort of look at that, if you look at the contribution over the next sort of because they're looking at the next sort of five years five to six years, if we're putting $450 into the investment on a monthly basis, That's $5,400 there. For a year over six years, there's an extra 32,400 plus a 160,000. That gives you a 192. Getting a 5% return on a 192,000 gives you about 9,600. So compounding that over time means you are likely to build growth even at a conservative rate of return, and we just wanna make sure we're checking to see how things are going. Putting the regular amount in on a monthly basis for dollar cost averaging in is really good for risk mitigation as well because you're buying into the investments regardless of the price, whether they're up or down. So when the market is down, you're getting into the market at a a down point where there's a discount in the investment prices, and that can provide a greater level of growth in return as the market comes back and provides recovery. When you put that same amount of money in and the market's up, the prices are higher, you buy less units of the investment. So it's really good to be dollar cost averaging. It spreads your risk level. It helps to improve growth over time, but you're putting money into the market regardless of, you know, what the cost is and helping to average out your returns over the time as well. So there's definitely a benefit to being in the market rather than not, and giving this a go is getting you closer to your goal than sitting in the cash account there. So yeah. Does that make sense? Yep. We can do that however you like. We can do it as a weekly, fortnightly, monthly amount, however you're comfortable with. Generally, taking smaller amounts of money out is easier because you keep more money invested. You can do it as a lump sum once off every year or half year, but it does work out better just to draw a weekly or fortnightly income out in smaller amounts. That way, you keep most of your money invested, and that way, you can obtain greater growth when the markets are performing better. Yeah. Perfect. Absolutely. Mhmm. It is. It is. Yeah. So the one thing to remember with the benefit of putting it into the investment account is the money is working harder. Over the longer term, you know, depending on the regardless of what the markets do, whenever you look at investment time frames over ten, twenty, or thirty years, the markets are always up. Over the longer term, you tend to be up and providing better growth and compounding effect, which is works better than having it sitting in a cash account because inflation tends to either way the buying capacity, and often bank accounts don't give you enough interest to meet inflation. So there are risks also with the cash account there. But the other thing to sort of remember is when you are investing money, you are investing in your own name. So as we are putting money into this investment over time, every year you'll get a tax statement. It'll outline the income and the CDT within the fund, and that will need to be added to your personal tax return. So it can increase the amount of tax you are paying as we are building that one. But when you stop working and start your income out, again, the income you receive is taxable. We will not you'll need to account for that when you see your tax agent, but you'll be drawing less out. So, you know, the tax free threshold is 18,200. Drawing $800 on a weekly basis is 41,800 there, so you are lowering your taxable income. So you should pay less tax, but it is still tax. Yeah. Yeah. Yeah. Mhmm. Yep. The tax free threshold? Yes. Yeah. Right. Yeah. The the the gold. Yeah. Yeah. Makes yeah. That's okay. That's not a problem at all. So that's essentially with the investment side of things. You're welcome to take it away, have a really good read of it. Take it in and ask me any questions that you might definitely have. I know our last advice case we provided was on investment. You weren't really in the right space to maybe look at that, so this is a little bit different. But we are also working towards a goal with this one. So, again, any advice we do provide is up to you to decide whether you're comfortable taking or not. I've just done the math to work out the best way to be able to to try and achieve that, and then we work forward with you to keep looking at it, seeing how it's growing, and keep working towards that goal. Okay? Perfect. Now the next recommendation, if you keep scrolling down there for me, is the land. One of the things one of the questions you had was about whether you sell that land or not. I'm saying no. So one of the main reasons is that it could be harder to sell. Property and land is not liquid, so it can take time to sell. And, realistically, when I kind of worked out, I've done an estimated of the CGT based on the information we have. It could be different. The expected total CGT could be definitely different, and this is not what you would have to pay. This is just the CGT from the sale of the land. It doesn't sort of work out in your benefit to sell it now. As much as it's more money you could have then put into the investment growing, If you're selling this property, you've got the CGT consequences. You might miss out on future growth that it can increase the amount of tax you are paying. It could take, you know, weeks, years, months to sell depending on the market, and you might have to reduce the amount. You might not get what you're after. So I've decided it's not worth selling that now. It is better to hold it. If you hold it till after retirement, then, you know, you'll be on more of a lower tax rate, so selling it could have less of a tax consequence for you. So I have recommended to keep hold of that for the time being. Okay? Perfect. Perfect. You do have your advantages, disadvantages, and risks involved. The main one thing there that by keeping a hold of the land, there is it could sustain additional growth moving forward, meaning that you could sell it for more when you get down the track. Another conversation we had was that you were possibly looking to hold it to maybe pass down to your daughter and or sell in retirement. You have those options by holding on to it. It's there's no guarantees that the land will grow in value. The disadvantages are that you still have to pay your rates and, yeah, and state taxes on that as moving forward, so that is a disadvantage to keeping it. Capital tied up, if you do have to sell it down the track, it is it can be harder to sell if you need the money quickly. And that's the other thing with, you know, the advantage there is that the land is hard to sell sometimes. It's not always liquid. If you need money fast, it can be difficult to sell. But at the same time, depending on, you know, where it is and the market within that area, it could see some substantial growth in the future, and, you know, you might be able to sell it some more down the track and get a greater benefit out of that. Okay? Yep. Mhmm. It would have a bigger impact. You would need to make sure you cover the tax first. So if you were able to sell that for a 100,000, we've got estimated CDT of 37,000. That CDT is then added to your income for the year, which can increase the tax side of things. I did we did do a little bit of math, and, I mean, it depends on the other deductions, and there's so many other factors with regards to that. But at your marginal tax rate, the CGT bill is a or the income tax is roughly a bit over 11,000 that you would have to pay on that. So you would be you know, have about 11,000 less out of it. It would make it definitely an impact, and having invested in the portfolio would be good. But I don't see my main concern is the amount of tax that you may have to pay for that. The amount of tax may not be worth you selling it. And holding this a little bit longer, generally, sort of keeping investments in land and things like that. If you don't have to sell them, we generally try not to because you do end up with higher tax bills, and it can cause a bit of trouble, increases your income, and there's other consequences that can come of that. So if you chose to sell it, absolutely, you could definitely put the money into there. It's just my main concern was adding the increase of tax bill to your current income tax and increasing your income estimates. And then if you've got an investment portfolio on top of that, you're paying CGT and income tax from the investment portfolio. It can increase your tax bill pretty high. So I kind of, yeah, kind of didn't wanna put that on you. Plus, if you put it up for sale and it doesn't sell quickly, you know, you might still have to reduce the sale cost or sell it at a loss or something like that. So it's it's sort of better just to hold on for the for the time being. And then later down the track, maybe in retirement, if not beforehand, if you don't need to beforehand, then we could maybe look at selling it and seeing what kind of gain you can get for that and how that can benefit you down the track. Yeah. Yeah. Yeah. Yeah. Perfect. Realistically, I wouldn't sorta say sell it unless you really have to. If you kinda get to the point where you're you're done with it, you don't really want it anymore, you absolutely can. Just be mindful of the CDT consequences because as much as, you know, you're renting, this is your only sort of property, I couldn't find a way to make it to give it the tax exemption under the main primary residence scenario there. So and if you're gonna get an incur increase to your income soon, the amount of income tax you pay goes higher than having investment income as well. So, you know, income that's generated from the investment portfolio plus CDE to account for, but then the sale of this, it could be it could push your tax bill pretty high, and we would not want that in any way, shape, or form. That could have more of a negative impact on your cash flow. So yep. Perfect. Perfect. I've got all the advantages, disadvantages, risks, and also any alternatives in there considered for you as well. And then the last part is with the beneficiary nominations there. So one of the big things was making sure that your daughter was able to benefit from your superannuation in the event that anything was to happen to you. I am recommending that we alter your beneficiary nominations and make them a legal personal representative because she is a minor child. Have a will drawn up with a solicitor and have the will drawn up so that it provides those protections for her. So if in the event of passing, having this paid directly to your will, you can then nominate an executor who can, through your will, as so that they can help you have, like, a testament to trust built. And inside that trust, the money can be held. It can be distributed however you want so that the money is received and distributed to your daughter in a fashion as per your wishes, but so that she benefits from that money down the track. It can help her with schooling. You know, you could sit there and just be held back so she can hold a will, held over you know, passed to her at a certain age point. You have a lot more control around doing that. Whereas at the moment, based on if anything happened to you as she is a minor, the money doesn't get paid directly to her. It can go into trust or it can be paid to a trustee or her guardian. So there are greater benefits for having it paid through your will to minor children so that you have a lot more control over how that money is directed through to your daughter. Okay? Perfect. With having the investment as well, if you take on the recommendation, we open that investment account and we do invest that money. Having a will is also gonna be important. But, unlike Super, you don't have beneficiary nominations on investment accounts, so we'll need to make sure that that investment money, even if it's sitting in your bank account, is accounted for as part of your will and that the money is held past your estate and directed where you want it to be. So without having a will, everything goes into probate, and people can come forward and make a claim on the estate, meaning that the funds may not end up where you want them to go. It all gets done by a judge. It is done in in accordance with the law, but people can stake a claim on it, and it can be considered. So having a will and power of attorney drawn up is a lot best for your protection as well as the protection of your assets. Yep. That's all good. All good. How can I help you? What was that? Sorry. Yeah. It's fair chunk. I'm not a lawyer, but there is a fair a fair bit that we need to know for our job. The best thing I can do is refer you to a solicitor to sit down and talk about what you have, your circumstances, and what you want, and have them help you draw up a will that is, you know, set out in accordance with your wishes and, you know, helps you to meet that that goal of making sure she gets the money in accordance with what with what you want and how you want. Yeah. You're fine. Yeah. Yeah. Uh-huh. Yeah. Yeah. Okay. Yeah. I would probably have a look into that because if you were made sole executor, you would have had to have a bit more of a say in how all that was to go. If the if everything had been directed to her, then that's probably why she's received it all. You would need to have a look at the will and how it is set up and drawn. It sounds like you may have been removed as the executor, but it also depends on what the assets are. So, like, depending on how a home is owned and bank accounts is set up, they can automatically so, like, the way everything's set up with me and my husband, if I pass away, everything just reverts to him automatically because of the way we own our home and our joint accounts and everything. He is he is part owner of that. Yeah. Yeah. Yeah. So then anything outside of those automatics would automatically go to the estate, and then you would need to help, you know, go through those sorts of things. But the other option could be and it's hard to sort of say without seeing how the bill is drawn up. But the other option is depending on how everything is set up for them in, you know, the house and the bank accounts and things like that, if you were executor, then you would have been called upon to sort of help distribute everything. But it really just depends upon what the will says, how it is set up, and how all their assets are set up as well, how the house is owned, how the bank account is set up. There's a lot to it. For a will, yeah, there's gotta be someone that acts as the executor to help because once someone passes away, they have to have a final tax return completed. Any debts that need to be paid out needs to be covered, and an executive needs to take care of those things. An executive can be, say, a family member, a friend, or you can direct a solicitor to be an executive on your behalf as well. So Yep. Yep. Yeah. Yeah. Yeah. It does sound like that might have been the possibility. Yeah. Did you did you kinda get anything out of that site? Because that's where some of that money came from, didn't it? Oh, no. That was from your divorce, wasn't it? The the 160 or the 200? That's right. Yeah. Yeah. I mean, it may be worth having a conversation with them and saying, hey. Can I help? What's going on? Just sort of touch base and be like, you know, this is something I thought was the case. Is this no longer the case? Can I help you? And just sort of see where things are at. Because is your relationship quite well with your dad's partner? Yeah. Yeah. Yeah. Yeah. That's exactly right. That's it. Yeah. And and these sorts of time frames can bring the worst out in a lot of people. It's a very emotional difficult time for people and yeah. You know? I've seen a lot of her state planning go bad. Yeah. Yeah. Absolutely. Absolutely. Yeah. And, look, the good the good thing with having Yeah. And, look, the good the good thing with having a investment account there is if you open it and go forward with the advice and you decide at any point it's not working, you don't really want it, we can always close it and draw the funds back out. It's absolutely fine. It all the investments are liquid. Unlike your super, the funds aren't locked in there till retirement. You can pull the money out if you decide it's no longer for you. You don't wanna do it anymore. You can take the money out. Obviously, markets go up and down. You could be taking the money out of the down point, which means you could be taking it less, but I would just sort of talk to you, keep working with you to see how you go. But yeah. I mean, I invest in my own name outside of Super, and I honestly love it. I'm investing for the longer term. I know that I'm you know, it's a bit different for yourself to what I'm doing. I'm really not wanting to access the money in the next couple of years. I'm just sort of putting it in there to see how it goes over the longer term and might access it when I retire a bit. For yourself, it's a little bit different because you have this goal of being able to access through the money sooner. However, if we get to $49.50 and you decide you're taking a bit too risk in the market, it's a bit scary, we can always move you out of the growth portfolio and move you into something a little bit more defensive. You don't have to be in the growth portfolio right up into the day you access those funds. More often than not, we tend to reduce the risk level a bit prior to accessing some of that money. If you you can always put more into it. If you say, hey. I've got an extra, you know, 5,000 here or an extra $100 here or there, you can be putting extra money into it to provide greater benefit and sorta help you along a bit more. Portfolios do work. If you've got a downtime and I go, hey. Look. It's down. Do you wanna throw some more money into it? You could always take advantage of those downtimes as well and chuck some more money into it. So unlike your super, there's no caps. You can put as much or as little in as you like, and we just kinda wanna make sure it is working so you you are able to hopefully retire a bit earlier. If we get to, say, 49, fifty, fifty one, and the markets are a bit volatile, it's not really working, we may have to reassess, obviously, the goal of how much you draw out or maybe, you know, look at whether we hold off for a little bit longer. But those are all things that we can talk about down the track, and they're all possibilities. There is obviously a lot of unknowns with investing, but, you know, working towards that goal, having the money in the market and investing in a portfolio tends to get you closer to that goal than having it sitting in a bank account earning very little interest. So yeah. But you can always walk away at any point. Yeah. Yep. Yep. Well, realistically, you're still in the same tax bracket. It does mean you're paying more income tax. It could be an advantage. You could be putting you have a bit more money aside to put into the investment. It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax. So you could end up with a tax bill as opposed to a refund. So there are advantages and disadvantages to both. Absolutely. Yep. Absolutely. Yep. And there are offsets that you can have. So you get a tax statement when you are invested. You there you get a tax statement every year. So your accountant goes through and inputs the information from the tax statement, noting the income, the CGT, but there's also deductions in those statements that they can add as well. So you get ranking credits on dividends. It is income or income tax paid from overseas investments like the S and P 500. There are taxation consequences in, like, The US for investing within The US and things like that. You might get other you know, you might have losses that you might be able to claim against some of the gains to help reduce the income tax payable. So there are positives and negatives to each of the situations. There are, you know, things you have to claim when you tax return income wise, but there's also benefits and things that your accountant can use to offset some of those, if not all of the income and CDTs. So it's just I mean, you could start it for a year. We could look at it after your first tax return, see how it's going, see how it's benefiting you. And if you decide you don't wanna do it anymore, we just close and withdraw it all out for you. Cool. No. You're fine. I tell you what, Nate. Every time I book you in, I book you in for a long time, and I cancel out most of my afternoon because there's always a lot to go through, and you're so inquisitive. And I love that. So I always make sure I block out the rest of my afternoon for you, so don't worry in any way, shape, or form. Well, I finish here at six normally, but this week, I have not left here before seven, and I've actually been working till midnight most nights this week. So no. Back at home. I go home and sit in my little office and plug my computer and then keep plugging away, getting those advice documents sorted and helping our lovely clients along. So I'm actually off work tomorrow. So you've got take some time over the weekend to have a read of the document. Let me know if you do have any questions. You've got my email. You can email me. I am technically off tomorrow, but I have a lot of work to do. So I probably will be in and out of my computer around looking after my son and doing the school run. So you can email me any questions you have, and I can talk you through it and see how you're going. All of the advice provided is just advice. It is the recommendation, so it's up to you whether you take on all of them, some of them, or none of them. And on the very last page of the advice document, you have a little text box. So if there's any part of the advice you don't wish to proceed with, we just need to write a little blurb in there, and we're happy, you know, not to proceed with anything that you tell us to not proceed with. Okay? That's okay. Yeah. Not a problem at all. Easy. The only other thing to kind of make sure you're aware of is on page 54, it does outline the ongoing service fees there. So it does note down the ongoing service fee. Paid out of super is 1.65%, and then the ongoing service fee paid out of the investment is 1.1%. If your balance gets up over 600,000 between the two, at the moment, we do cap that. So if there's any changes to the fee structure, we'll make sure you're aware of it. But this is the fee structure that you're on currently, and the fees are outlined nice and clear for you. Okay? Alright. Yep. That's correct. Yeah. They're both percentages, so they both do link to the performance of your your investments and your super. So, again, the same as with the super fee. If anything, if your markets are performing well, the amount we get is a little bit higher. However, if the market does take a bit of a dip, then the amount we receive is a little bit lower as well. Okay? Perfect. No. No. That is me. I'm gonna do final nights for the afternoon now. That is my last call for the day. It's 2355. Yeah. Yep. Yep. Yeah. I literally live in New South Wales. I live over the border, so I drive across to Queensland to work every day. So I split myself between time zones. Yeah. It is. It is. Now it's all good. It's only for another two weeks, and then we're all back on one time zone again. No worries. Yep. No worries. You have a good afternoon, Nate. Thank you so much for your time. You have a good weekend. I'll talk to you soon. No worries. Have a good one. 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Nate. How are you? I'm good. How are you? It is Athena from Oakview.\n\nCan you hear me okay? Yeah. I do. I've got you loud and clear. How's your day been?\n\nYeah. Yeah. Yeah. Right. Okay.\n\nYeah. Nice. Nice. Busy day. Well, I've got your it's been really busy this week, actually.\n\nI've had a interesting week, but it's been good. Busy's been good. It's been productive. So that's the most important part, really. Yeah.\n\nGood. Really well. Thank you. I'm so sorry that I missed your emails the other week. I don't know what happened, but I couldn't find them anywhere.\n\nThat was really bizarre. That's so weird. I searched for them everywhere. They weren't coming up. I'm so sorry.\n\nThey might have got diverted to, like, one of the junk boxes or something, but that doesn't normally happen with your email. So no. Never. I actually went back to my IT guy and said, just make sure these emails come through because, you know, I don't wanna don't wanna be missing anything from that. He just sends me lovely pictures of gold all the time.\n\nI did. I found them eventually. They're fantastic. How's everything going with the prospecting? Yep.\n\nYeah. Wow. Yeah. Yeah. Absolutely.\n\nUnderstandable. Wow. It is it is a very nice commodity in all honesty. It has been going bank gangbusters for a while. And, look, this year with the amount of volatility we are seeing, again, commodities are really important, and people do want some of them.\n\nSo I think you're right. I think we're gonna be seeing that for a while to come yet. So Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. It'll he's an interesting soul, that one in me.\n\nYeah. All good. I have your advice document for you. I've emailed it through. Do you have access to your emails there at the moment?\n\nYou're right. Easy. Just while you're jumping into that, just letting you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to record the rest of the call? Fantastic.\n\nNot really. No. It's more just to make sure that I'm doing my job correctly. Yeah. I am.\n\nDon't worry. I'll look after you. No. I also do I also do use it for being able to help me do my file noting. So because I do have, like, a lot of people booked in on a daily basis, I can have anywhere from, say, three to six or seven clients to talk to on a daily basis.\n\nSo you kinda forget some of the conversations that you have. So I do keep the call recordings, and I can put them through a system that helps me to generate my file notes. So I don't have to remember everything about the last conversation. I can kinda prompt myself utilizing the AI file note system. So it is pretty cool for that purpose as well.\n\nI am. I am. Oh, good. I just have to do security with you as well then. If you can just let me know your full name, date of birth, and address, I should have on file for you.\n\nYep. Yep. That's the one. Perfect. Beautiful.\n\nThank you so much for that. Now how's that email pop through to you there? Have you managed to grab that one at all? Yep. So when you click on that button that says sign documents, it should take you through so you can view the statement of advice there.\n\nPerfect. Perfect. So on the first page there, you'll see statement of advice prepared for yourself, Nathaniel Brickner, as of the 03/19/2026, which is today. And it's being completed and organized by myself and my lovely team here at Oakview Financial. My authorized representative number is on the bottom of that for you.\n\nIt's 1304394. Okay? If you scroll forward to the next page there, you'll see it does note best interest duty. It's just letting you know there that we take pride in making sure that any advice provided is there to help you meet your goals. We provide advice under the best interest duty, and any advice provided does need to be in your best interest.\n\nAnd through the document here, we do outline a best interest duty on how the recommendations are there are made in your best interest and how they are there to help you meet your goals. Okay? If you scroll down past the table of contents, you've got a couple of pages noting the scope in, scope out section. So areas that we are looking at at the moment are superannuation, looking at helping you make your super work towards your goals. You wanna access super at the age of 60, but you have other goals of being able to retire earlier than that.\n\nWe've also we've no. You're fine. You cut me off. It's fine. Like, this is your time.\n\nThis is your document. If you need me to stop or you have questions or anything that you wanna add, you let me know. Okay? I'm more than happy for to stop and sort of let you jump in at any point. That's okay.\n\nThe next section here is about our personal insurances. So you do have your insurances within Aware Super there. We are retaining the income protection component. You're not really worried about life and TPD. They don't have any of that anyway.\n\nYou do also have an employer paid policy that you kinda sent to me. So we have had a good review of that for you, and I've made a recommendation on that one for you. We've got the estate planning side of things in there as well. So you wanna give beneficiaries to be paid to your daughter. She is a minor, but making sure that she receives the benefit.\n\nSo I have made a recommendation to assist you with that. And we've also got your personal investment side of things. So you're hoping to be able to retire earlier than 60, say, between 50 to 55. So you've got some money set aside and wanted to sort of have a goal of drawing down an income of between $6,600 per week to 800 per week. So we've looked at personal investments and how to structure that for you.\n\nWe have also considered what to do with the investment prop with your land as well. One of those there was something else you asked me to look into was what to do with the land. So I have also popped in there a little bit on whether you sell that or not. Okay? Perfect.\n\nYou alright? Are you okay? It's all good. All good. And then areas that we've scoped out is just the personal insurance side of things.\n\nSo you don't have life, TPD, and trauma. You weren't sort of worried too much about about those sorts of options there. We've scoped those out of the advice document. Okay? Perfect.\n\nSo to make it easier, if you scroll down past the limited advice warning, that's just letting you know that this advice is a limited advice document which goes in and out areas that we are and are not providing advice around. You've also got here that we're not lawyers. So when it comes to the estate planning side of things, we do put a recommendation in there to speak to a solicitor to have a will and power of attorney drawn up, but we don't do those for you. So we can refer you to a solicitor to do for the drawing of a will and power of attorney. Or if you do have one that you're comfortable working with, that's always fine as well.\n\nOkay? We've also got it in here that under the Better Advice app 2021, I am a qualified relevant tax provider. That essentially means that I'm able to provide financial advice around tax and tax related issues. However, we're not accountants. So we can't do your tax return for you, but we can refer you to a qualified tax accountant should you require the services of one.\n\nAnd we provide advice around personal insurance products, so things like life, TPD, income protection, certain types of business liability insurances. Other types of insurances are general insurance products, and we don't provide advice around general insurance products, but we can refer you through to a general insurance broker if you require the services of one. All good? Perfect. The next page has the about you section.\n\nIf you can just run your eyes over that one for me. Just to yeah. Just let me know if there's been any major changes there at all. Nice pay increase under the sun at all. Yeah.\n\nHave you got any pay rises? Oh, wow. Okay. Perfect. Perfect.\n\nThat'll be great. Well, when you do, feel free to let us know, and we can always update the advice to reflect for you, okay, if there's any need to. Perfect. Yes. You can be single if you want.\n\nYep. Yep. That's fine. Not a problem at all. Did you want me to update the advice document so it sort of reflects that to you or just in the back end is fine?\n\nYep. No. That's that's okay. It's honestly not a problem at all. I'll make a note here that moving forward, you'll be known as single until you find the girl of your dreams.\n\nOkay? Oh. Everything's good? Yep. Perfect.\n\nExcellent. The next page that outlines your assets and liabilities there is double checking to see if there's been any major changes at all. This is from when we did the annual review back in January. So there could be some changes to maybe update there, but I just wasn't really sure if you needed any of those figures updated. It's it's really just the savings that kind of reflects in the advice document.\n\nBut if anything else has changed, I'm happy to update it in the back end for you. Yep. That's okay. That's good. Yep.\n\nYep. That's fine. Not a problem at all. Beautiful. And then underneath here, we've also got your superannuation.\n\nSo we didn't have 24. And Aware, you've got your two balances there reflective as they are when we completed the document there. So 3800578 in Aware super and $292.06 3 and 72¢ and have 24 currently. Okay. Absolutely.\n\nI've updated the document to reflect that, and we are do definitely wanna do a transfer of everything but 10,000. But I just wanted to provide this and update the advice for you first up. Okay. Perfect. The next page does outline your insurance policies there.\n\nThe top the top ones are your Aware Super policies. You will see here that the policy for your income protection is noted as two separate, and that is because Aware noted as two separate policies. You do have one income protection. You're just paying for the two separate amounts. It's like they were fixed as separate policies in Aware.\n\nSo when I got your statement through, we had a really good scan of it. Essentially, you're covered for a monthly benefit of about 5,000 that's before income tax is effective. You have a ninety day wait and a five year benefit period. They are steps policies. It's just that you just have they're just noted on your statement as two separate policies.\n\nSo I noted them in here the same way your statement notes them. Okay. Perfect. And then you've got your VMIA policy as well. This is the employer paid policy there.\n\nI had a really good look at the information provided, read the PDF document, went through it all. This is essentially an outline of the policy, and I've got more details below for you. It does offer a lump sum benefit. We are limited to knowing exactly what the lump sum is and what it is paid on. It seems to give us, like, a list of different scenarios that the lump sum benefit could be paid out at and how long you need to be have provided service to be able to get that lump sum benefit given the different circumstances.\n\nBut it does offer a lump sum benefit in the event of certain illnesses or traumatic events or, you know, certain disabilities that might occur. And it also does offer a weekly benefit amount. It doesn't seem to have a waiting period, but it offers that for about a hundred and four weeks. Realistically, both of these policies have a place. This VMIA policy is not necessarily income protection.\n\nIt's more just a like, a accident benefit, and it's employer paid. So it was actually not a bad benefit to keep to have on the side there. So I have noted both of those to give you a bit of information around those. Okay? Perfect.\n\nNow to make things easier, I will let you go and have a really good read of the entire document there. But if I can get you to scroll down for me straight to page number. Sorry. I think I've passed it. Nope.\n\nNope. There is another I've got all the no. I'll get you to scroll down for me, sorry, to page number 25. Yeah. 20 five.\n\nYeah. Oh, good. I'll sort of show you the tables that gives you an outline. I'll talk you through the advice as we're going through these tables here. This just seems to be the best way to kind of explain it so you're looking at the what it is I'm talking about as I'm explaining the advice to you.\n\nBut then you can also go back later. I've got all the sections individually noted, which is kind of what you're going through at the moment to get to this page. And each of those individual sections out well, outlines the advice as I'm gonna explain it to you. Each individual section does have the advantages, disadvantages, and the risks involved and any, you know, risks, warnings, and any alternatives I've considered. So I'll run through what I need to with you, and then I'll let you go back and read it all.\n\nAnd then you can always come back to me with additional questions if you need to. Okay? Perfect. Now the first recommendation that we are making is with regard to the super there. So you were working towards being able to access super at the age of 60.\n\nAnd when we sort of spoke at in January, we did note that some of your underlying investments had been underperforming. So we wanted to do a bit of a revamp of the, portfolio and make sure we're rolling some money out of Aware Super so that the money in hard '24 is working harder for you. That way, you're revamping things and removing those under underperforming underperforming investments. I do apologize. Sorry.\n\nSo what we're gonna do here with regard to the recommendations, so moving all about 10,000 out of Aware, that just leaves you with $10,000 in Aware in the high growth option. There's no need to change that investment option. It does when we look at Aware and Hub 24, it does still keep you in line with your risk profile, which is great. So removing about $28,005.78 and 45¢ from Aware and investing that in the Hub twenty four. Inside Hub twenty four, we're also gonna alter the portfolio some.\n\nSo Ben along Australian Equities, that's the second investment down under the Hub twenty four column. That one there has the one that's been underperforming. That's the one we spoke about. It has held your portfolio back a bit for the last few months. So we have made a decision to remove that completely from the portfolio.\n\nSo we're selling all of that down. Within your hub 24, we're also gonna utilize and because Bennelong has seen some losses within the portfolio, we can utilize that to offset some of the gains and also rebalance your portfolio. So you're not overexposed to any particular area or or overexposing your portfolio to more risk than you need to because it is very volatile at the moment. So aside from selling all of that along there, we're also gonna sell a portion of the battery and lithium pack. We're selling all of the bank hybrids because they're about to be phased out, so we can sell them now whilst we are maneuvering the portfolio and replace that with something else.\n\nAnd, yes, Critical Gold is doing very, very well, but you do have a lot of it right now. So we do need to rebalance the portfolio back, and we're gonna sell a little bit of that. You'll still have 6% invested, which is great, and it'll grow more. We're essentially cementing the gains that it has been so we can have that reinvested back into your portfolio and so that money continues to grow. Okay?\n\nThat beautiful. I thought when I saw the physical gold, I'm gonna I'm gonna have to focus on this one a bit because you'll be like, why are we selling gold? It's not a bad price. It's a good price. Once we've kinda completed those sell downs there, we're gonna buy into the cybersecurity.\n\nSo we bring that back up from the 5% to about seven. We're gonna instead of having the core composite bonds, we're gonna hold this, the iShares core composite bond. So instead of bank hybrids, we're gonna hold the core composite bond. Essentially, because bank hybrids are being phased out in the future, we're gonna remove them now out of your portfolio so we don't have to at a later time. Core composite bonds, again, are a defensive investment, but this gives you access and exposure to both government and corporate funds, not only here in Australia, but globally as well.\n\nSo it's giving you diversification. It's a defensive investment, and bonds are really good for income producing. They're a bit like term deposits where you put your money into, you know, the bondholder. You give your money to the bondholder. It could be a company or the government.\n\nThey use that money to either invest in their company or to lend out to other, yes, borrowers if it's like a bank or something. And then they guarantee you, a certain rate of return, a bit like with your term deposit. You might get an a a cash rate of, like, 3% on your funds, and at the end of the term, you get your your interest as well as the income, as well as your capital back. The same thing works for bonds. You're essentially giving your money to the government or to the company.\n\nThey're gonna use it for something internally. They're gonna tell you that you're gonna get this guaranteed rate of return, and then they essentially give you your money back at the end of the term with the interest that you've earned there. Core composite bonds can also pay coupon payments throughout the term of it. So you might get money back on a monthly, fortnightly, or even your half yearly basis, And that's really good for your portfolio because money earned out of the investments is put back into your cash account and reinvested back into your portfolio. Okay?\n\nWe've also got the S and P 500. So we are buying a little bit more of that, bringing your portfolio back to 25% there, having some port some bank property to bringing your portfolio back to 5% there. We've got the beta shares Raffy 200. We're still keeping that, buying some more, and bringing you back to 15% there. And because we're removing the Benelong Australian equities, we're gonna buy into the beta shares a 200.\n\nThis is giving you access to the top 200 companies in Australia. Essentially, with the a two hundred, it's it's still giving you the exposure into the Australian equities, which is what Bennelong exposure was giving you into. However, Bennelong tends to hold anywhere between, you know, 15 to 30 different companies, whereas the a two hundred is the top 200 companies on the ASX. So you've actually got a little bit more diversification by holding that one. The a two hundred actually pays really good high dividends as well.\n\nSo receiving dividends out of these investments, again, is good for compounding those dividends. The income payments that get paid to your cash account and reinvest it back into your portfolio so that we can compound forward over time. So that's essentially the portfolio, the buyers and sales, and how that will look at the end of it. On the very last column, the target balance there will show you. So you'll end up with the the 10,000 in the high growth portfolio within Aware there.\n\nYou'll end up with some battery and lithium tech, some physical gold, some we've got some cybersecurity, the core composite bonds, the S and P 500 in The US, and then also some VanEck property, the beta shares Raffy 200, and also the beta shares a 200 at the bottom there. So that's what your portfolio will look like once it's all kinda being rebalanced for you. Okay? If you scroll down for me to page number 27, I'll show you the fee table because a part of making this decision isn't just about what we're buying and selling and making your portfolio look good. There's also making sure that it's working for you, and the cost of doing so is really important as well.\n\nSo you'll see here you've got the fee comparison table, and the first column is your current. You've got your hub twenty four with the current balance there. You've got the administration fees, investment fees, no other applicable fees to the fund there. The ongoing service fee for our services, there's no contributions in the hub twenty four and no insurance premiums being deducted there. You've also got a where and your current balance there with your administration fees, investment fees noted.\n\nThere's contributions going in. No adviser fees coming out of the Aware Fund, and the insurance premiums, they're noted as well. Between the two funds at the moment, you are in a growth portfolio, and that growth portfolio over the past three years averaged about 7.5%. We've had to use a three year rolling average for this one because, unfortunately, the bank hybrids haven't been around as an investment for five years, so we don't have a five year rolling average for that one. The performance hasn't been bad.\n\nAdmittedly, this is just an average of how these investments have performed over the past three years. Averagely, we know that some years, you've received a lovely 10 or 15% return. Other years, it might be only 5% return, and this year has been a little bit less just because of what happened with Bannalong there. But it's not a bad return and not a bad portfolio to be in. By making the changes that we just went through before, within a way, you'll end up with 10,000 and have 24.\n\nWe estimate a total starting balance of 318,505. The difference there is 337. Now CDT consequences for going through and changing your portfolio. So because Benelong is down, it seems some losses. We're able to offset a lot of the CDT consequences with the losses there.\n\nBut by rebalancing your portfolio, it's estimated the CGT cost on your super fund, the tax cost will be $337. So this will all be dealt with by your super fund. Your super fund every year does a tax return just like you do in your own personal life, and they will account for that additional cost as part of the tax return that they do for you. Does that make sense so far? Yep.\n\nPerfect. By making the changes above there, you'll actually see the administration fees are different. So the administration fees actually decrease a little bit by a 155. So we can save you, for the first year, a $155 on administration fees. And then by making the switch, you actually save $589 on investment fees.\n\nSo by removing Benelung, removing the bank hybrids, replacing those two investments, and rebalancing your portfolio, your investment fees actually decrease for the year. So we save you about $589, which is really good because that's money that stays in your portfolio, which is working harder and compounding towards your retirement goals. Okay? Yep. Perfect.\n\nYour ongoing service fees do remain there. They are gonna increase a bit because the balance in Hub twenty four is increasing as well. As kind of we go through our ongoing service fees, they are 1.65% per annum. It is deducted in smaller monthly increments out of your super. This is showing you the estimated fee for the first year oh, for this year.\n\nSorry. With the ongoing service fee, as it is a percentage based fee, it fluctuates with the market. So when our performance or when your performance in your super is doing really well, it means that our fee is gonna be a bit higher as well. However, when the market takes a bit of a dip with the volatility we volatility we are seeing at the moment, we can see those downtimes. So it means that, you know, when the portfolio is not performing as well, when we see downtimes, then our fee is gonna take a bit of a dip there with it as well.\n\nSo our fee is linked to the performance of your portfolio, which is really important. Okay? Perfect. You've got your contribution still going into aware. We'll keep those going into aware.\n\nThat is really important to retain your income protection for the time being, and then your insurance premiums there as well for your income protection inside Aware. With the changes that we have above that, the still within that growth portfolio range, giving you that eighty twenty split, Making those changes and reevaluating how the portfolio has performed over the past three years, the rolling average is 15.04%. So it has seen a greater performance than the previous essentially, the previous portfolio that we're in. We know markets go up and down. I don't expect you to get 15% every year over the next sort of ten years.\n\nHowever, if the market did perform really well and you were able to average that 15% on a yearly basis over the next five to ten years, Underneath that, you can see a projection table that estimates where you could end up. Okay. Perfect. Do you have any questions so far? If you do, you you're fine.\n\nThere's no such thing as silly question. It doesn't matter what it is. You're welcome to ask it. Yes. Yeah.\n\nCorrect. So it it takes it takes the initial initial balance. It it takes into account all the fees, your contributions, your insurance premiums, and then it projects with the the five the three year rolling average that we have here. And if you were to obtain that kind of five three year rolling average, sorry, over the next five to ten years, this is where you could end up. Okay?\n\nPerfect. Underneath that, we do also have the annualized returns as of the February 28. So it just shows you how the two different portfolios have performed in comparison to each other. Okay? So that is essentially the super.\n\nWe are also recommending that you do retain the Aware super as well as the Hub 24. We'll do regular annual rollovers of everything by $1,010,000 dollars. I do wanna see if Aware will allow us to add an opt in form as well just in case anything happens and say you're not working for a period of time without contributions going into Aware. If contributions don't go in for sixteen months, your income protection can cancel. Whilst there's no risk of that at the moment because you are actually working, I still like to try and sign an opt in form.\n\nIt's just a sort of a backup protection for Aware for the industry funds to make sure that your insurance is remaining placed. So I'll I'll organize the one to be signed. We'll send it off to them and see if they'll accept it on your behalf for you. Okay? Perfect.\n\nWhen it comes to the best interest duty statements, and you'll see these through in there, essentially, both these recommendations are in your best interest. So the first recommendation to alter the portfolio within Hub 24, it's recommended and designed to reduce the overall investment management fees while maintaining your aligned growth risk profile over the longer term, working towards your goals and objectives. Essentially, lower fees provide a greater sorry. Will allow a greater portion of your superannuation to remain invested in compounding over the longer term, and replacing underperforming investments and the bank hybrids as they are being phased out will allow changes to your portfolio, and the newer portfolio has had a greater rate of return. So that can put you in a better position to achieve greater growth over the longer term depending on what the markets do.\n\nOkay? Perfect. Retaining aware is in your best interest because you do have your income protection there. Having contributions going in and retaining that income protection is really important for the time being. So if anything was to happen, even though you do have some savings set aside there, because we are looking to invest that money, having the income protection provides an extra layer of cover.\n\nAnd while the benefit is probably not, it's a little bit lower than where you would realistically need based on income, it is still providing you with a level of benefit that we can always use to substitute with investment income if we needed to down the track. But having that income protection there is still giving you a level of cover that you wouldn't otherwise have. Okay. Perfect. Does that all make sense so far?\n\nYep. Yeah. That's okay. All good. I'll try to go nice and slow through it all, try to make sure I'm explaining what I need to.\n\nYou'll get the chance to go back and have a read through it as well. So sometimes it can be hard, and I'm sort of going through the pages and looking at the things I need to to explain it to you, but sometimes it's easier when you go back and you sit down with it and have a bit of a read without me in your ear. It can always sort of make a little bit more sense, and then you can always come back and ask me extra questions later on as well. Okay? Yep.\n\nAbsolutely. Absolutely. Yeah. No. Perfect.\n\nIf you scroll down there for me to the next recommendation, this is on page number 22. This is about your employer paid policy. The insurance is there. 22. Yeah.\n\nSo this is the VMIA insurance policy. It is an employer paid policy, and it is only offered to essentially workers in your area of work, which is kind of cool. I am recommending, obviously, that you don't, you know, keep it. There's no way for you to cancel it, but it is a really good policy to make sure that you do have access to and are able to retain. It is paid entirely by your employer, so at no cost to you.\n\nThe best insurances are the ones that you don't have to pay for. And it does provide, depending on the circumstances you're in and the accident available, a lump sum benefit of up to 250,000 there. It also does provide a weekly benefit of $2,000. It essentially covers you sorry, for a hundred and four weeks. And this policy is in place until the age of 75.\n\nSo you'll be well and truly retired by the time this policy stops, but it does essentially expire at age 75 for yourself. The benefits to holding this policy are that it provides twenty four seven worldwide coverage, not limited to what sorry. You're right. Are you okay? Can you hear me, Nate?\n\nYeah. Yeah. All good. My phone my phone just sort of did something a bit weird. So I wasn't sure if I still had you or not.\n\nSorry. No. No. No. My phone did, like, a weird clicking sound, and I wasn't sure if I lost you or not.\n\nThe policy offers twenty four seven worldwide coverage, not limited to workplace accidents. It covers both death and capital benefits. It provides a weekly injury payout, a 100% of salary up to 2,500 per week. The policy we had noted offers a $2,000 benefit. So I'm not sure whether it increases depending on the income at the time of claim, but we've noted essentially what the certificate of currency has on it that we were able to get.\n\nIt does have also includes secondary psychiatric impairment coverage of up to 750,000. This is if caused by a physical injury. It can provide additional benefits to top up work cover or tax claims. It acts as a primary cover if you're not on work cover or a tax claim. It does not prevent you from claiming under any other policies.\n\nSo if you're on this policy, you can also claim from your income protection policies. You can have them working in unison as long as the two policies together, you're not claiming over 70% of your income. Okay? It does have a formal resolution, dispute process if needed, and, essentially, it also it's managed by Decker's injury management team. The disadvantages of retaining this policy are that preexisting medical conditions are not covered.\n\nIt the cover applies automatically to only those 18 to 75 years of age. Essentially, the policy provides benefits specific to accidents and injury, not general life insurance or standard income protection. So it's not really a life insurance or an income protection policy. It's more just an accident benefit in the event of something occurring to you. It's only it's only applied to employees authorized for bushfire management with current medical fitness and role accreditation.\n\nSo there there any sort of employers that can be covered under this policy. There is a $25 excess for things that aren't Medicare included. So if you have to go and get additional tests or anything that's not covered by Medicare, there is a $25 excess that is payable for those sorts of things. But I think they kind of let you know at the time of claim or if there's something that has to be done, how that works for you. Okay?\n\nPerfect. So it's actually not a bad policy to keep. It's not a bad policy at all. And, look, honestly, the best kind of insurances are insurances you don't have to pay for. So it it just says it provides twenty four seven worldwide coverage.\n\nSo if you have an accident, you can contact them 247, and someone will be able to help you with the claim. Yeah. Nice. It didn't tell me any of that on the thing, but, look, I honestly, if you injure yourself, I would give it a go. What's the worst I can say?\n\nNo. So yeah. Perfect. Perfect. Yeah.\n\nRight. Well, I mean, that's probably gonna tell you if it's possible. Did they claim successfully on the policy? Yeah. Yeah.\n\nOkay. Pretty serious. Yeah. No. Perfect.\n\nWell yeah. You alright? It does. Yes. So, realistically, if you're hoping to retire around about the age of 50, then we probably won't need to have it any longer than that.\n\nSo we'll just keep reviewing it as long as we need to. If there's any ever a point that you don't think you want it anymore and you're comfortable canceling it, absolutely, we can do that. Alternatively, if you stop working at 50 if the investment works the way we want it to and you're able to start working at, say, 50 or 51 and you're no longer working, the policy will be null and void. It won't be any point in keeping it because you won't be able to claim on it by being no no longer employed. So at least at that point, we'll be able to cancel and roll everything over from Aware then for you as well.\n\nOkay? Perfect. Yep. Yep. Yep.\n\nThat's okay. Yeah. Yep. Perfect. Easy.\n\nIf you can scroll down further for me, the next recommendation is around that investment option, and that's on page number 29. Perfect. To make it easier, if you actually scroll down to 37, this has got that same fee comparison table. I can talk you through the recommendation while you're sort of looking at this to make it easier for you, because sometimes having a visual is a little bit easier than all those pages of writing. 37.\n\nYeah. You'll have a fee comparison table there. Yeah. Sorta looks like the one you're super had. So I think go down to 38.\n\nMy apologies. My document has a different page number on it, so you're so sorry. You're absolutely fine. So with this one here, we talked about leaving about 70,000 behind, and you wanted to look at investing about a 160,000 into an investment account so that you could try to hopefully retire a little bit earlier there. So we have made a recommendation and looked at with Hub twenty four.\n\nSo it'll be the with the same provider that your super fund is with. So you can look at your Hub twenty four and see your super and your investment account there in the account there in the one platform to make it easier. We'll start by investing initially a 160,000. Within Hub twenty four, you do have investment fees and administration fees on the investment account as well. We do add an adviser fee to this one for the monitoring of the the account.\n\nThe investment ongoing service fee is 1.1. So it is lower than super, and that's for us looking after it. So we estimate for the first year to be 1,879. And then regular contributions is of $5,400. One thing we took did talk about was you were comfortable investing around about $400 on a a monthly basis into the investment on a regular basis to keep it growing, but you were also comfortable with me working at how much you needed to invest in order to meet that goal.\n\nWe need to increase your contributions to $450 on a monthly basis and have it invested to be able to see it grow to the level it needs to for you to be able to take on those retirement goals and retire before the age of 60. Okay? Yeah. Beautiful. Yeah.\n\nIt's okay. So it's starting with a 160,000, and then dollar cost averaging in on a monthly basis, $450 a month into the investment and keeping that growing. We are looking at a growth portfolio. So if you scroll back there for me, three, to page number 36, you'll see essentially how we'll have these funds invested for you. Very similar to how your your super is invested.\n\nThere is a few differences there. So within this investment portfolio, you'll see you still got some beta share cyber security, some India quality ETF, some global health care, some S and P 500, so some US equities. We've got the Rafi 200. We've also got the beta shares a 200 in there. JPMorgan Global Enhanced Research Equity Fund.\n\nThis is essentially giving you access to global diversified investments. Diversification is really good, not just having investments in Australia and The US, but diversifying across the globe. So some physical gold, so, again, 8% in physical gold in this portfolio. The iShares yield plus, which is essentially more of a defective kind of investment, giving you access to high quality cash investments that pay good dividends, and then some core composite bonds in there as well. So that's essentially where the funds will be split for the 160,000.\n\nAnd back there on page number 38, this is a growth portfolio. So the same sort of portfolio that your super is invested in currently. And looking at the last three year rolling average, this has averaged about 15.75% on a yearly basis. Okay? Perfect.\n\nNow the good thing about this investment is that it is an an investment account unlike Super, so you can increase and add additional amounts to it. So if you have some extra money on a monthly or a weekly basis and you wanna add a little bit more in there or increase that from the $4.50, you absolutely can. There's no contributions cap. There's no limits on how much you can put into the investment. It's essentially there to try and build so that you can retire a bit earlier and draw some income out of the portfolio.\n\nOkay. Essentially, holding this investment and having it work, as long as it provides and if it was able to get this standard rate of return over the next five to six to ten years, you can see below where, essentially, you could end up. The 450 the 450 on a week monthly basis. Sorry? Yep.\n\nYep. It absolutely does. Yeah. It takes the original deposit plus the regular contribution and the growth rate and then subtracts all the fees out of it. Yep.\n\nPerfect. So it is good. We do understand that markets go up and down. There is a bit of volatility there. So this projected balance could alter somewhat.\n\nWhat I wanna do with you is obviously catch up and do our regular reviews and see how things are tracking to make sure that you're on track to do this. There is obviously a risk the markets may not perform the way, say, they have in the past or the way we want them to, and therefore, it might take an extra couple of years before we meet this goal. But we'll keep looking at it, keep tracking at it, see what we need to do, and also the advice as we are moving forward. Essentially, having a look at things, we did look at the age of 50. And if you sort of scroll down to the next page for me, you'll see we've got two drawdown tables.\n\nWe did look at the projected balance at the age of 50, and if you were to stop working what this looks like based on the projected balance and drawing down regular income of $800 on a weekly basis, Your and we're using a conservative rate of return for the for the projection once you've actually retired. Because when you stop working, you generally don't wanna take as much risk in the market, so we tend to use a lower, more conservative projected figure for growth in that time frame. So you'll see sorry. The five year rolling average that is much lower than what it is above in the table above there. Okay?\n\nSo if you are if you stop working at the age of 50, if we have this balance here at that time, you'll have admin fees, investment fees, ongoing service fee in the account there, and your regular drawdown on a yearly basis, which works out at $800 on a weekly basis or $41,800 on a yearly basis. If you're drawing that down, essentially, between the age of 50 to 55, we can see there how much the balance has has dropped away by. So it goes from 308 to 156. And, essentially, by ten years, the balance is completely gone. The idea is that this investment money, is there to sort of supplement your income and draw down income so you can survive that ten years between 50 to 55.\n\nThis projection doesn't quite get you there. It doesn't quite meet that goal. So in year nine sorry. You're right? This is 50 to 55.\n\nOh, sorry. No. Sorry. 50 to 55 for the five years. The ten year takes you to 60.\n\nSo it essentially shows the money runs out a little bit before you turn 60 there. Okay? Because the negative figure yeah. Yeah. So it really only lasts about nine odd years.\n\nYou'll have a little bit of residual there, but it's only really lasting about nine years, which is not really what you want. So the next the next page shows you the different outcome. If you're able to hold off to age 51, so long as the markets work the way they want them we want them to, and we end up with this projected outcome or close to with the admin fees, investment fees, ongoing service fee there, and drawing down the same $800 on a weekly basis using that conservative projection growth rate whilst you are drawing down, the funds last a little bit longer there for you. So you can see 50 to 51 to 56, you end up roughly about 209,000 after drawing down and eating away some of it. And then at nine years, this takes you to the age of 60, and there's still a little bit of residual balance there for you as well.\n\nSo it does look like projected forward. We would need you to wait to age 51 before you access those funds and actually stop working. However, this is utilizing past performance, and we know markets are volatile. So we will check this every year. We'll talk about what's happening.\n\nWe'll look at what your goals are and keep trying to sort of project things at to see where we're tracking, where we're heading. And when you get closer to that fifty fifty one, we can actually sort of have a look at what we're what we're sitting on and how that's gonna look for you and how it's gonna work. Does that make sense? Yep. Perfect.\n\nDo you have any questions about that? I know it's a lot. I'm sorry. I tried to sort of slow it down a bit for you. But is there any questions you wanted to ask?\n\nDoes that all make sense so far? What are your thoughts and feelings? There is. Yes. Absolutely.\n\nAbsolutely. Yep. No. There are there are a lot of uncertainties with the market, but that's the most important part is that we review things on a regular basis. So, you know, having the money invested and building towards your retirement or building towards the option of being able to stop work earlier is still better than not.\n\nAnd if we get to, you know, closer to and we find, hey, it might not work the way we've been hoping. We might have to hold off for another year or two. You've still got that extra couple of years up your sleeve because you did sort of note that you were comfortable working to 55 if you had to or even just dropping back a few days a week and we look at partial. So there are other things that we can do. I personally, you know, don't see an issue with where we're tracking.\n\nWhen you sort of look at that, if you look at the contribution over the next sort of because they're looking at the next sort of five years five to six years, if we're putting $450 into the investment on a monthly basis, That's $5,400 there. For a year over six years, there's an extra 32,400 plus a 160,000. That gives you a 192. Getting a 5% return on a 192,000 gives you about 9,600. So compounding that over time means you are likely to build growth even at a conservative rate of return, and we just wanna make sure we're checking to see how things are going.\n\nPutting the regular amount in on a monthly basis for dollar cost averaging in is really good for risk mitigation as well because you're buying into the investments regardless of the price, whether they're up or down. So when the market is down, you're getting into the market at a a down point where there's a discount in the investment prices, and that can provide a greater level of growth in return as the market comes back and provides recovery. When you put that same amount of money in and the market's up, the prices are higher, you buy less units of the investment. So it's really good to be dollar cost averaging. It spreads your risk level.\n\nIt helps to improve growth over time, but you're putting money into the market regardless of, you know, what the cost is and helping to average out your returns over the time as well. So there's definitely a benefit to being in the market rather than not, and giving this a go is getting you closer to your goal than sitting in the cash account there. So yeah. Does that make sense? Yep.\n\nWe can do that however you like. We can do it as a weekly, fortnightly, monthly amount, however you're comfortable with. Generally, taking smaller amounts of money out is easier because you keep more money invested. You can do it as a lump sum once off every year or half year, but it does work out better just to draw a weekly or fortnightly income out in smaller amounts. That way, you keep most of your money invested, and that way, you can obtain greater growth when the markets are performing better.\n\nYeah. Perfect. Absolutely. Mhmm. It is.\n\nIt is. Yeah. So the one thing to remember with the benefit of putting it into the investment account is the money is working harder. Over the longer term, you know, depending on the regardless of what the markets do, whenever you look at investment time frames over ten, twenty, or thirty years, the markets are always up. Over the longer term, you tend to be up and providing better growth and compounding effect, which is works better than having it sitting in a cash account because inflation tends to either way the buying capacity, and often bank accounts don't give you enough interest to meet inflation.\n\nSo there are risks also with the cash account there. But the other thing to sort of remember is when you are investing money, you are investing in your own name. So as we are putting money into this investment over time, every year you'll get a tax statement. It'll outline the income and the CDT within the fund, and that will need to be added to your personal tax return. So it can increase the amount of tax you are paying as we are building that one.\n\nBut when you stop working and start your income out, again, the income you receive is taxable. We will not you'll need to account for that when you see your tax agent, but you'll be drawing less out. So, you know, the tax free threshold is 18,200. Drawing $800 on a weekly basis is 41,800 there, so you are lowering your taxable income. So you should pay less tax, but it is still tax.\n\nYeah. Yeah. Yeah. Mhmm. Yep.\n\nThe tax free threshold? Yes. Yeah. Right. Yeah.\n\nThe the the gold. Yeah. Yeah. Makes yeah. That's okay.\n\nThat's not a problem at all. So that's essentially with the investment side of things. You're welcome to take it away, have a really good read of it. Take it in and ask me any questions that you might definitely have. I know our last advice case we provided was on investment.\n\nYou weren't really in the right space to maybe look at that, so this is a little bit different. But we are also working towards a goal with this one. So, again, any advice we do provide is up to you to decide whether you're comfortable taking or not. I've just done the math to work out the best way to be able to to try and achieve that, and then we work forward with you to keep looking at it, seeing how it's growing, and keep working towards that goal. Okay?\n\nPerfect. Now the next recommendation, if you keep scrolling down there for me, is the land. One of the things one of the questions you had was about whether you sell that land or not. I'm saying no. So one of the main reasons is that it could be harder to sell.\n\nProperty and land is not liquid, so it can take time to sell. And, realistically, when I kind of worked out, I've done an estimated of the CGT based on the information we have. It could be different. The expected total CGT could be definitely different, and this is not what you would have to pay. This is just the CGT from the sale of the land.\n\nIt doesn't sort of work out in your benefit to sell it now. As much as it's more money you could have then put into the investment growing, If you're selling this property, you've got the CGT consequences. You might miss out on future growth that it can increase the amount of tax you are paying. It could take, you know, weeks, years, months to sell depending on the market, and you might have to reduce the amount. You might not get what you're after.\n\nSo I've decided it's not worth selling that now. It is better to hold it. If you hold it till after retirement, then, you know, you'll be on more of a lower tax rate, so selling it could have less of a tax consequence for you. So I have recommended to keep hold of that for the time being. Okay?\n\nPerfect. Perfect. You do have your advantages, disadvantages, and risks involved. The main one thing there that by keeping a hold of the land, there is it could sustain additional growth moving forward, meaning that you could sell it for more when you get down the track. Another conversation we had was that you were possibly looking to hold it to maybe pass down to your daughter and or sell in retirement.\n\nYou have those options by holding on to it. It's there's no guarantees that the land will grow in value. The disadvantages are that you still have to pay your rates and, yeah, and state taxes on that as moving forward, so that is a disadvantage to keeping it. Capital tied up, if you do have to sell it down the track, it is it can be harder to sell if you need the money quickly. And that's the other thing with, you know, the advantage there is that the land is hard to sell sometimes.\n\nIt's not always liquid. If you need money fast, it can be difficult to sell. But at the same time, depending on, you know, where it is and the market within that area, it could see some substantial growth in the future, and, you know, you might be able to sell it some more down the track and get a greater benefit out of that. Okay? Yep.\n\nMhmm. It would have a bigger impact. You would need to make sure you cover the tax first. So if you were able to sell that for a 100,000, we've got estimated CDT of 37,000. That CDT is then added to your income for the year, which can increase the tax side of things.\n\nI did we did do a little bit of math, and, I mean, it depends on the other deductions, and there's so many other factors with regards to that. But at your marginal tax rate, the CGT bill is a or the income tax is roughly a bit over 11,000 that you would have to pay on that. So you would be you know, have about 11,000 less out of it. It would make it definitely an impact, and having invested in the portfolio would be good. But I don't see my main concern is the amount of tax that you may have to pay for that.\n\nThe amount of tax may not be worth you selling it. And holding this a little bit longer, generally, sort of keeping investments in land and things like that. If you don't have to sell them, we generally try not to because you do end up with higher tax bills, and it can cause a bit of trouble, increases your income, and there's other consequences that can come of that. So if you chose to sell it, absolutely, you could definitely put the money into there. It's just my main concern was adding the increase of tax bill to your current income tax and increasing your income estimates.\n\nAnd then if you've got an investment portfolio on top of that, you're paying CGT and income tax from the investment portfolio. It can increase your tax bill pretty high. So I kind of, yeah, kind of didn't wanna put that on you. Plus, if you put it up for sale and it doesn't sell quickly, you know, you might still have to reduce the sale cost or sell it at a loss or something like that. So it's it's sort of better just to hold on for the for the time being.\n\nAnd then later down the track, maybe in retirement, if not beforehand, if you don't need to beforehand, then we could maybe look at selling it and seeing what kind of gain you can get for that and how that can benefit you down the track. Yeah. Yeah. Yeah. Yeah.\n\nPerfect. Realistically, I wouldn't sorta say sell it unless you really have to. If you kinda get to the point where you're you're done with it, you don't really want it anymore, you absolutely can. Just be mindful of the CDT consequences because as much as, you know, you're renting, this is your only sort of property, I couldn't find a way to make it to give it the tax exemption under the main primary residence scenario there. So and if you're gonna get an incur increase to your income soon, the amount of income tax you pay goes higher than having investment income as well.\n\nSo, you know, income that's generated from the investment portfolio plus CDE to account for, but then the sale of this, it could be it could push your tax bill pretty high, and we would not want that in any way, shape, or form. That could have more of a negative impact on your cash flow. So yep. Perfect. Perfect.\n\nI've got all the advantages, disadvantages, risks, and also any alternatives in there considered for you as well. And then the last part is with the beneficiary nominations there. So one of the big things was making sure that your daughter was able to benefit from your superannuation in the event that anything was to happen to you. I am recommending that we alter your beneficiary nominations and make them a legal personal representative because she is a minor child. Have a will drawn up with a solicitor and have the will drawn up so that it provides those protections for her.\n\nSo if in the event of passing, having this paid directly to your will, you can then nominate an executor who can, through your will, as so that they can help you have, like, a testament to trust built. And inside that trust, the money can be held. It can be distributed however you want so that the money is received and distributed to your daughter in a fashion as per your wishes, but so that she benefits from that money down the track. It can help her with schooling. You know, you could sit there and just be held back so she can hold a will, held over you know, passed to her at a certain age point.\n\nYou have a lot more control around doing that. Whereas at the moment, based on if anything happened to you as she is a minor, the money doesn't get paid directly to her. It can go into trust or it can be paid to a trustee or her guardian. So there are greater benefits for having it paid through your will to minor children so that you have a lot more control over how that money is directed through to your daughter. Okay?\n\nPerfect. With having the investment as well, if you take on the recommendation, we open that investment account and we do invest that money. Having a will is also gonna be important. But, unlike Super, you don't have beneficiary nominations on investment accounts, so we'll need to make sure that that investment money, even if it's sitting in your bank account, is accounted for as part of your will and that the money is held past your estate and directed where you want it to be. So without having a will, everything goes into probate, and people can come forward and make a claim on the estate, meaning that the funds may not end up where you want them to go.\n\nIt all gets done by a judge. It is done in in accordance with the law, but people can stake a claim on it, and it can be considered. So having a will and power of attorney drawn up is a lot best for your protection as well as the protection of your assets. Yep. That's all good.\n\nAll good. How can I help you? What was that? Sorry. Yeah.\n\nIt's fair chunk. I'm not a lawyer, but there is a fair a fair bit that we need to know for our job. The best thing I can do is refer you to a solicitor to sit down and talk about what you have, your circumstances, and what you want, and have them help you draw up a will that is, you know, set out in accordance with your wishes and, you know, helps you to meet that that goal of making sure she gets the money in accordance with what with what you want and how you want. Yeah. You're fine.\n\nYeah. Yeah. Uh-huh. Yeah. Yeah.\n\nOkay. Yeah. I would probably have a look into that because if you were made sole executor, you would have had to have a bit more of a say in how all that was to go. If the if everything had been directed to her, then that's probably why she's received it all. You would need to have a look at the will and how it is set up and drawn.\n\nIt sounds like you may have been removed as the executor, but it also depends on what the assets are. So, like, depending on how a home is owned and bank accounts is set up, they can automatically so, like, the way everything's set up with me and my husband, if I pass away, everything just reverts to him automatically because of the way we own our home and our joint accounts and everything. He is he is part owner of that. Yeah. Yeah.\n\nYeah. So then anything outside of those automatics would automatically go to the estate, and then you would need to help, you know, go through those sorts of things. But the other option could be and it's hard to sort of say without seeing how the bill is drawn up. But the other option is depending on how everything is set up for them in, you know, the house and the bank accounts and things like that, if you were executor, then you would have been called upon to sort of help distribute everything. But it really just depends upon what the will says, how it is set up, and how all their assets are set up as well, how the house is owned, how the bank account is set up.\n\nThere's a lot to it. For a will, yeah, there's gotta be someone that acts as the executor to help because once someone passes away, they have to have a final tax return completed. Any debts that need to be paid out needs to be covered, and an executive needs to take care of those things. An executive can be, say, a family member, a friend, or you can direct a solicitor to be an executive on your behalf as well. So Yep.\n\nYep. Yeah. Yeah. Yeah. It does sound like that might have been the possibility.\n\nYeah. Did you did you kinda get anything out of that site? Because that's where some of that money came from, didn't it? Oh, no. That was from your divorce, wasn't it?\n\nThe the 160 or the 200? That's right. Yeah. Yeah. I mean, it may be worth having a conversation with them and saying, hey.\n\nCan I help? What's going on? Just sort of touch base and be like, you know, this is something I thought was the case. Is this no longer the case? Can I help you?\n\nAnd just sort of see where things are at. Because is your relationship quite well with your dad's partner? Yeah. Yeah. Yeah.\n\nYeah. That's exactly right. That's it. Yeah. And and these sorts of time frames can bring the worst out in a lot of people.\n\nIt's a very emotional difficult time for people and yeah. You know? I've seen a lot of her state planning go bad. Yeah. Yeah.\n\nAbsolutely. Absolutely. Yeah. And, look, the good the good thing with having Yeah. And, look, the good the good thing with having a investment account there is if you open it and go forward with the advice and you decide at any point it's not working, you don't really want it, we can always close it and draw the funds back out.\n\nIt's absolutely fine. It all the investments are liquid. Unlike your super, the funds aren't locked in there till retirement. You can pull the money out if you decide it's no longer for you. You don't wanna do it anymore.\n\nYou can take the money out. Obviously, markets go up and down. You could be taking the money out of the down point, which means you could be taking it less, but I would just sort of talk to you, keep working with you to see how you go. But yeah. I mean, I invest in my own name outside of Super, and I honestly love it.\n\nI'm investing for the longer term. I know that I'm you know, it's a bit different for yourself to what I'm doing. I'm really not wanting to access the money in the next couple of years. I'm just sort of putting it in there to see how it goes over the longer term and might access it when I retire a bit. For yourself, it's a little bit different because you have this goal of being able to access through the money sooner.\n\nHowever, if we get to $49.50 and you decide you're taking a bit too risk in the market, it's a bit scary, we can always move you out of the growth portfolio and move you into something a little bit more defensive. You don't have to be in the growth portfolio right up into the day you access those funds. More often than not, we tend to reduce the risk level a bit prior to accessing some of that money. If you you can always put more into it. If you say, hey.\n\nI've got an extra, you know, 5,000 here or an extra $100 here or there, you can be putting extra money into it to provide greater benefit and sorta help you along a bit more. Portfolios do work. If you've got a downtime and I go, hey. Look. It's down.\n\nDo you wanna throw some more money into it? You could always take advantage of those downtimes as well and chuck some more money into it. So unlike your super, there's no caps. You can put as much or as little in as you like, and we just kinda wanna make sure it is working so you you are able to hopefully retire a bit earlier. If we get to, say, 49, fifty, fifty one, and the markets are a bit volatile, it's not really working, we may have to reassess, obviously, the goal of how much you draw out or maybe, you know, look at whether we hold off for a little bit longer.\n\nBut those are all things that we can talk about down the track, and they're all possibilities. There is obviously a lot of unknowns with investing, but, you know, working towards that goal, having the money in the market and investing in a portfolio tends to get you closer to that goal than having it sitting in a bank account earning very little interest. So yeah. But you can always walk away at any point. Yeah.\n\nYep. Yep. Well, realistically, you're still in the same tax bracket. It does mean you're paying more income tax. It could be an advantage.\n\nYou could be putting you have a bit more money aside to put into the investment. It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax. So you could end up with a tax bill as opposed to a refund. So there are advantages and disadvantages to both. Absolutely.\n\nYep. Absolutely. Yep. And there are offsets that you can have. So you get a tax statement when you are invested.\n\nYou there you get a tax statement every year. So your accountant goes through and inputs the information from the tax statement, noting the income, the CGT, but there's also deductions in those statements that they can add as well. So you get ranking credits on dividends. It is income or income tax paid from overseas investments like the S and P 500. There are taxation consequences in, like, The US for investing within The US and things like that.\n\nYou might get other you know, you might have losses that you might be able to claim against some of the gains to help reduce the income tax payable. So there are positives and negatives to each of the situations. There are, you know, things you have to claim when you tax return income wise, but there's also benefits and things that your accountant can use to offset some of those, if not all of the income and CDTs. So it's just I mean, you could start it for a year. We could look at it after your first tax return, see how it's going, see how it's benefiting you.\n\nAnd if you decide you don't wanna do it anymore, we just close and withdraw it all out for you. Cool. No. You're fine. I tell you what, Nate.\n\nEvery time I book you in, I book you in for a long time, and I cancel out most of my afternoon because there's always a lot to go through, and you're so inquisitive. And I love that. So I always make sure I block out the rest of my afternoon for you, so don't worry in any way, shape, or form. Well, I finish here at six normally, but this week, I have not left here before seven, and I've actually been working till midnight most nights this week. So no.\n\nBack at home. I go home and sit in my little office and plug my computer and then keep plugging away, getting those advice documents sorted and helping our lovely clients along. So I'm actually off work tomorrow. So you've got take some time over the weekend to have a read of the document. Let me know if you do have any questions.\n\nYou've got my email. You can email me. I am technically off tomorrow, but I have a lot of work to do. So I probably will be in and out of my computer around looking after my son and doing the school run. So you can email me any questions you have, and I can talk you through it and see how you're going.\n\nAll of the advice provided is just advice. It is the recommendation, so it's up to you whether you take on all of them, some of them, or none of them. And on the very last page of the advice document, you have a little text box. So if there's any part of the advice you don't wish to proceed with, we just need to write a little blurb in there, and we're happy, you know, not to proceed with anything that you tell us to not proceed with. Okay?\n\nThat's okay. Yeah. Not a problem at all. Easy. The only other thing to kind of make sure you're aware of is on page 54, it does outline the ongoing service fees there.\n\nSo it does note down the ongoing service fee. Paid out of super is 1.65%, and then the ongoing service fee paid out of the investment is 1.1%. If your balance gets up over 600,000 between the two, at the moment, we do cap that. So if there's any changes to the fee structure, we'll make sure you're aware of it. But this is the fee structure that you're on currently, and the fees are outlined nice and clear for you.\n\nOkay? Alright. Yep. That's correct. Yeah.\n\nThey're both percentages, so they both do link to the performance of your your investments and your super. So, again, the same as with the super fee. If anything, if your markets are performing well, the amount we get is a little bit higher. However, if the market does take a bit of a dip, then the amount we receive is a little bit lower as well. Okay?\n\nPerfect. No. No. That is me. I'm gonna do final nights for the afternoon now.\n\nThat is my last call for the day. It's 2355. Yeah. Yep. Yep.\n\nYeah. I literally live in New South Wales. I live over the border, so I drive across to Queensland to work every day. So I split myself between time zones. Yeah.\n\nIt is. It is. Now it's all good. It's only for another two weeks, and then we're all back on one time zone again. No worries.\n\nYep. No worries. You have a good afternoon, Nate. Thank you so much for your time. You have a good weekend.\n\nI'll talk to you soon. No worries. Have a good one. I'll talk to you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Nate.","start":2.48,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.0719972476363182},{"text":"How are you?","start":3.1999998,"end":4.1,"sentiment":"neutral","sentiment_score":0.14975077410538992},{"text":"I'm good.","start":7.44,"end":8.16,"sentiment":"positive","sentiment_score":0.43625845015048986},{"text":"How are you?","start":8.16,"end":8.72,"sentiment":"neutral","sentiment_score":0.2694782614707947},{"text":"It is Athena from Oakview.","start":8.72,"end":10.26,"sentiment":"neutral","sentiment_score":0.06277470737695694}],"sentiment":"neutral","sentiment_score":0.17253813594579698,"num_words":15,"start":2.48,"end":10.26},{"sentences":[{"text":"Can you hear me okay?","start":10.4,"end":11.78,"sentiment":"neutral","sentiment_score":0.041979850828647615},{"text":"Yeah.","start":13.474999,"end":13.974999,"sentiment":"neutral","sentiment_score":0.0433262400329113},{"text":"I do.","start":15.315,"end":15.795,"sentiment":"neutral","sentiment_score":0.06950853951275349},{"text":"I've got you loud and clear.","start":15.795,"end":17.335,"sentiment":"neutral","sentiment_score":0.07633916847407818},{"text":"How's your day been?","start":17.715,"end":18.935,"sentiment":"neutral","sentiment_score":-0.006087028654292225}],"sentiment":"neutral","sentiment_score":0.04588497052383092,"num_words":18,"start":10.4,"end":18.935},{"sentences":[{"text":"Yeah.","start":21.634998,"end":22.134998,"sentiment":"neutral","sentiment_score":-0.01242562849074602},{"text":"Yeah.","start":25.314999,"end":25.814999,"sentiment":"neutral","sentiment_score":-0.03114037960767746},{"text":"Yeah.","start":28.06,"end":28.46,"sentiment":"neutral","sentiment_score":-0.01850680634379387},{"text":"Right.","start":28.46,"end":28.96,"sentiment":"neutral","sentiment_score":-0.004290999844670296},{"text":"Okay.","start":34.78,"end":35.28,"sentiment":"neutral","sentiment_score":0.012824843637645245}],"sentiment":"neutral","sentiment_score":-0.01070779412984848,"num_words":5,"start":21.634998,"end":35.28},{"sentences":[{"text":"Yeah.","start":39.195,"end":39.695,"sentiment":"neutral","sentiment_score":0.02340037375688553},{"text":"Nice.","start":43.595,"end":44.095,"sentiment":"neutral","sentiment_score":0.28087007999420166},{"text":"Nice.","start":44.315002,"end":44.815002,"sentiment":"neutral","sentiment_score":0.30813834071159363},{"text":"Busy day.","start":44.955,"end":45.935,"sentiment":"neutral","sentiment_score":0.2784979045391083},{"text":"Well, I've got your it's been really busy this week, actually.","start":46.475,"end":50.815002,"sentiment":"neutral","sentiment_score":0.0361432321369648}],"sentiment":"neutral","sentiment_score":0.09793625981546938,"num_words":16,"start":39.195,"end":50.815002},{"sentences":[{"text":"I've had a interesting week, but it's been good.","start":50.875,"end":54.27,"sentiment":"neutral","sentiment_score":0.24658490551842582},{"text":"Busy's been good.","start":54.329998,"end":55.13,"sentiment":"positive","sentiment_score":0.6097159584363302},{"text":"It's been productive.","start":55.13,"end":55.93,"sentiment":"positive","sentiment_score":0.6243562897046407},{"text":"So that's the most important part, really.","start":55.93,"end":57.79,"sentiment":"neutral","sentiment_score":0.303504792707307},{"text":"Yeah.","start":60.329998,"end":60.809998,"sentiment":"neutral","sentiment_score":0.13126114010810852}],"sentiment":"positive","sentiment_score":0.3555337210064349,"num_words":23,"start":50.875,"end":60.809998},{"sentences":[{"text":"Good.","start":60.809998,"end":61.129997,"sentiment":"neutral","sentiment_score":0.24367275834083557},{"text":"Really well.","start":61.129997,"end":61.85,"sentiment":"neutral","sentiment_score":0.2899184376001358},{"text":"Thank you.","start":61.85,"end":62.41,"sentiment":"positive","sentiment_score":0.33959271013736725},{"text":"I'm so sorry that I missed your emails the other week.","start":62.41,"end":64.89,"sentiment":"neutral","sentiment_score":-0.19778071614828976},{"text":"I don't know what happened, but I couldn't find them anywhere.","start":64.89,"end":67.39,"sentiment":"neutral","sentiment_score":-0.2115739326585423}],"sentiment":"neutral","sentiment_score":-0.11111874381701152,"num_words":27,"start":60.809998,"end":67.39},{"sentences":[{"text":"That was really bizarre.","start":67.575,"end":71.354996,"sentiment":"neutral","sentiment_score":-0.16582302376627922},{"text":"That's so weird.","start":74.215,"end":75.575,"sentiment":"neutral","sentiment_score":-0.1625630408525467},{"text":"I searched for them everywhere.","start":75.575,"end":76.935,"sentiment":"neutral","sentiment_score":-0.14242423921823502},{"text":"They weren't coming up.","start":76.935,"end":78.05499,"sentiment":"neutral","sentiment_score":-0.10622074082493782},{"text":"I'm so sorry.","start":78.05499,"end":78.774994,"sentiment":"neutral","sentiment_score":-0.12316953639189403}],"sentiment":"neutral","sentiment_score":-0.1398681045362824,"num_words":19,"start":67.575,"end":78.774994},{"sentences":[{"text":"They might have got diverted to, like, one of the junk boxes or something, but that doesn't normally happen with your email.","start":78.774994,"end":84.659996,"sentiment":"neutral","sentiment_score":-0.0928878431970423},{"text":"So no.","start":84.88,"end":90.26,"sentiment":"neutral","sentiment_score":-0.2993372716009617},{"text":"Never.","start":90.32,"end":90.82,"sentiment":"neutral","sentiment_score":-0.3255953788757324},{"text":"I actually went back to my IT guy and said, just make sure these emails come through because, you know, I don't wanna don't wanna be missing anything from that.","start":91.2,"end":97.725006,"sentiment":"neutral","sentiment_score":-0.07311526437600453},{"text":"He just sends me lovely pictures of gold all the time.","start":97.725006,"end":100.225006,"sentiment":"positive","sentiment_score":0.51222670620138}],"sentiment":"neutral","sentiment_score":0.007170202492764502,"num_words":66,"start":78.774994,"end":100.225006},{"sentences":[{"text":"I did.","start":105.165,"end":105.725006,"sentiment":"neutral","sentiment_score":0.21489571034908295},{"text":"I found them eventually.","start":105.725006,"end":106.945,"sentiment":"positive","sentiment_score":0.38006218522787094},{"text":"They're fantastic.","start":107.005005,"end":107.825005,"sentiment":"positive","sentiment_score":0.7981783747673035},{"text":"How's everything going with the prospecting?","start":108.045,"end":109.905,"sentiment":"neutral","sentiment_score":0.32696691155433655},{"text":"Yep.","start":114.97,"end":115.47,"sentiment":"neutral","sentiment_score":0.03153551369905472}],"sentiment":"positive","sentiment_score":0.369315592944622,"num_words":15,"start":105.165,"end":115.47},{"sentences":[{"text":"Yeah.","start":120.73,"end":121.23,"sentiment":"neutral","sentiment_score":-0.0019637122750282288},{"text":"Wow.","start":121.29,"end":121.79,"sentiment":"neutral","sentiment_score":-0.05499190837144852},{"text":"Yeah.","start":126.585,"end":127.085,"sentiment":"neutral","sentiment_score":-0.07222880423069},{"text":"Yeah.","start":127.225,"end":127.705,"sentiment":"neutral","sentiment_score":-0.024514079093933105},{"text":"Absolutely.","start":127.705,"end":128.205,"sentiment":"neutral","sentiment_score":-0.001491047441959381}],"sentiment":"neutral","sentiment_score":-0.031037910282611846,"num_words":5,"start":120.73,"end":128.205},{"sentences":[{"text":"Understandable.","start":129.145,"end":129.645,"sentiment":"neutral","sentiment_score":-0.009468743577599524},{"text":"Wow.","start":132.585,"end":133.085,"sentiment":"neutral","sentiment_score":-0.04023478925228119},{"text":"It is it is a very nice commodity in all honesty.","start":146.6,"end":150.69499,"sentiment":"neutral","sentiment_score":0.15830739384347742},{"text":"It has been going bank gangbusters for a while.","start":151.23499,"end":154.435,"sentiment":"neutral","sentiment_score":-0.039177110211716756},{"text":"And, look, this year with the amount of volatility we are seeing, again, commodities are really important, and people do want some of them.","start":154.435,"end":161.155,"sentiment":"neutral","sentiment_score":0.03503316299368938}],"sentiment":"neutral","sentiment_score":0.047388689551988376,"num_words":46,"start":129.145,"end":161.155},{"sentences":[{"text":"So I think you're right.","start":161.155,"end":162.75,"sentiment":"neutral","sentiment_score":0.1118610829114914},{"text":"I think we're gonna be seeing that for a while to come yet.","start":162.75,"end":165.62999,"sentiment":"neutral","sentiment_score":0.01055717496917798},{"text":"So Yeah.","start":165.62999,"end":168.93,"sentiment":"neutral","sentiment_score":0.005807855632156134},{"text":"Yeah.","start":186.57501,"end":187.07501,"sentiment":"neutral","sentiment_score":-0.0914210081100464},{"text":"Yeah.","start":187.29501,"end":187.79501,"sentiment":"neutral","sentiment_score":-0.09060752391815186}],"sentiment":"neutral","sentiment_score":0.023915266745131124,"num_words":22,"start":161.155,"end":187.79501},{"sentences":[{"text":"Yeah.","start":192.01,"end":192.51,"sentiment":"neutral","sentiment_score":-0.043924152851104736},{"text":"Yeah.","start":204.58499,"end":205.08499,"sentiment":"neutral","sentiment_score":-0.03496897965669632},{"text":"Yeah.","start":215.26001,"end":215.76001,"sentiment":"neutral","sentiment_score":0.0030882293358445168},{"text":"Yeah.","start":216.22,"end":216.72,"sentiment":"neutral","sentiment_score":0.013579445891082289},{"text":"It'll he's an interesting soul, that one in me.","start":217.42,"end":221.84001,"sentiment":"neutral","sentiment_score":-0.04904134447375933}],"sentiment":"neutral","sentiment_score":-0.03873827365728525,"num_words":13,"start":192.01,"end":221.84001},{"sentences":[{"text":"Yeah.","start":224.14,"end":224.64,"sentiment":"neutral","sentiment_score":0.09324242919683456},{"text":"All good.","start":225.42,"end":226.24,"sentiment":"positive","sentiment_score":0.3787224367260933},{"text":"I have your advice document for you.","start":226.46,"end":228.54001,"sentiment":"neutral","sentiment_score":0.30606899516923086},{"text":"I've emailed it through.","start":228.54001,"end":229.66,"sentiment":"neutral","sentiment_score":0.15217210724949837},{"text":"Do you have access to your emails there at the moment?","start":229.66,"end":232.135,"sentiment":"neutral","sentiment_score":0.07155113701115955}],"sentiment":"neutral","sentiment_score":0.17555684819817544,"num_words":25,"start":224.14,"end":232.135},{"sentences":[{"text":"You're right.","start":235.635,"end":236.455,"sentiment":"neutral","sentiment_score":0.3084041029214859},{"text":"Easy.","start":236.595,"end":237.095,"sentiment":"positive","sentiment_score":0.3422918915748596},{"text":"Just while you're jumping into that, just letting you know, moving forward, we do record our calls for quality and training purposes.","start":237.47499,"end":242.915,"sentiment":"neutral","sentiment_score":0.19265594604340466},{"text":"Are you happy for me to record the rest of the call?","start":242.915,"end":245.25499,"sentiment":"neutral","sentiment_score":0.24810355280836424},{"text":"Fantastic.","start":247.31999,"end":247.81999,"sentiment":"positive","sentiment_score":0.6113165616989136}],"sentiment":"neutral","sentiment_score":0.23121289752031626,"num_words":38,"start":235.635,"end":247.81999},{"sentences":[{"text":"Not really.","start":250.76,"end":251.4,"sentiment":"neutral","sentiment_score":-0.060622138902544975},{"text":"No.","start":251.4,"end":251.56,"sentiment":"neutral","sentiment_score":-0.0852789506316185},{"text":"It's more just to make sure that I'm doing my job correctly.","start":251.56,"end":254.14,"sentiment":"neutral","sentiment_score":-0.0179702367944022},{"text":"Yeah.","start":261.045,"end":261.545,"sentiment":"neutral","sentiment_score":0.04362538084387779},{"text":"I am.","start":263.765,"end":264.485,"sentiment":"neutral","sentiment_score":0.09422953054308891}],"sentiment":"neutral","sentiment_score":-0.010560090446637737,"num_words":18,"start":250.76,"end":264.485},{"sentences":[{"text":"Don't worry.","start":264.485,"end":264.965,"sentiment":"neutral","sentiment_score":0.09867862984538078},{"text":"I'll look after you.","start":264.965,"end":266.265,"sentiment":"neutral","sentiment_score":0.09627821668982506},{"text":"No.","start":266.485,"end":266.725,"sentiment":"neutral","sentiment_score":0.055120084434747696},{"text":"I also do I also do use it for being able to help me do my file noting.","start":266.725,"end":271.525,"sentiment":"neutral","sentiment_score":0.12096886460979779},{"text":"So because I do have, like, a lot of people booked in on a daily basis, I can have anywhere from, say, three to six or seven clients to talk to on a daily basis.","start":271.525,"end":279.5,"sentiment":"neutral","sentiment_score":0.10417914305414472}],"sentiment":"neutral","sentiment_score":0.10768832967927058,"num_words":60,"start":264.485,"end":279.5},{"sentences":[{"text":"So you kinda forget some of the conversations that you have.","start":279.56,"end":283.0,"sentiment":"neutral","sentiment_score":0.09822429377924312},{"text":"So I do keep the call recordings, and I can put them through a system that helps me to generate my file notes.","start":283.0,"end":289.48502,"sentiment":"neutral","sentiment_score":0.17861682662497397},{"text":"So I don't have to remember everything about the last conversation.","start":289.48502,"end":292.86502,"sentiment":"neutral","sentiment_score":0.1593279161236503},{"text":"I can kinda prompt myself utilizing the AI file note system.","start":293.08502,"end":296.605,"sentiment":"neutral","sentiment_score":0.2592612166296352},{"text":"So it is pretty cool for that purpose as well.","start":296.605,"end":299.505,"sentiment":"neutral","sentiment_score":0.33254963606595994}],"sentiment":"neutral","sentiment_score":0.19876713734684567,"num_words":66,"start":279.56,"end":299.505},{"sentences":[{"text":"I am.","start":302.17,"end":302.99002,"sentiment":"neutral","sentiment_score":-0.14423081278800964},{"text":"I am.","start":303.53,"end":304.27002,"sentiment":"neutral","sentiment_score":-0.11894412711262703},{"text":"Oh, good.","start":312.01,"end":312.99002,"sentiment":"positive","sentiment_score":0.5494271516799927},{"text":"I just have to do security with you as well then.","start":313.475,"end":315.875,"sentiment":"neutral","sentiment_score":0.25470951064066455},{"text":"If you can just let me know your full name, date of birth, and address, I should have on file for you.","start":315.875,"end":320.295,"sentiment":"neutral","sentiment_score":0.11184903742237524}],"sentiment":"neutral","sentiment_score":0.14961507343328917,"num_words":39,"start":302.17,"end":320.295},{"sentences":[{"text":"Yep.","start":325.73,"end":326.23,"sentiment":"neutral","sentiment_score":0.03291585296392441},{"text":"Yep.","start":332.93002,"end":333.41,"sentiment":"neutral","sentiment_score":0.0615021139383316},{"text":"That's the one.","start":333.41,"end":334.31,"sentiment":"neutral","sentiment_score":0.06433689097563426},{"text":"Perfect.","start":335.89,"end":336.39,"sentiment":"positive","sentiment_score":0.5754355192184448},{"text":"Beautiful.","start":337.01,"end":337.51,"sentiment":"positive","sentiment_score":0.6992464065551758}],"sentiment":"neutral","sentiment_score":0.2231586522289685,"num_words":7,"start":325.73,"end":337.51},{"sentences":[{"text":"Thank you so much for that.","start":337.65002,"end":339.27002,"sentiment":"positive","sentiment_score":0.7422248721122742},{"text":"Now how's that email pop through to you there?","start":339.795,"end":341.715,"sentiment":"neutral","sentiment_score":0.21588846213287777},{"text":"Have you managed to grab that one at all?","start":341.715,"end":343.655,"sentiment":"neutral","sentiment_score":0.07524660809172525},{"text":"Yep.","start":347.795,"end":348.275,"sentiment":"neutral","sentiment_score":0.07105103135108948},{"text":"So when you click on that button that says sign documents, it should take you through so you can view the statement of advice there.","start":348.275,"end":355.29,"sentiment":"neutral","sentiment_score":0.09557352155447006}],"sentiment":"neutral","sentiment_score":0.19067907869815826,"num_words":50,"start":337.65002,"end":355.29},{"sentences":[{"text":"Perfect.","start":358.01,"end":358.51,"sentiment":"positive","sentiment_score":0.39145976305007935},{"text":"Perfect.","start":362.73,"end":363.23,"sentiment":"positive","sentiment_score":0.3579174280166626},{"text":"So on the first page there, you'll see statement of advice prepared for yourself, Nathaniel Brickner, as of the 03/19/2026, which is today.","start":364.25,"end":371.475,"sentiment":"neutral","sentiment_score":0.18707600559877313},{"text":"And it's being completed and organized by myself and my lovely team here at Oakview Financial.","start":372.575,"end":377.55502,"sentiment":"neutral","sentiment_score":0.24650077056139708},{"text":"My authorized representative number is on the bottom of that for you.","start":378.015,"end":381.135,"sentiment":"neutral","sentiment_score":0.1270363430182139}],"sentiment":"neutral","sentiment_score":0.19850139179319706,"num_words":53,"start":358.01,"end":381.135},{"sentences":[{"text":"It's 1304394.","start":381.135,"end":383.535,"sentiment":"neutral","sentiment_score":0.08178819715976715},{"text":"Okay?","start":383.535,"end":384.035,"sentiment":"neutral","sentiment_score":0.07318146526813507},{"text":"If you scroll forward to the next page there, you'll see it does note best interest duty.","start":386.02,"end":390.1,"sentiment":"neutral","sentiment_score":0.08363180125460905},{"text":"It's just letting you know there that we take pride in making sure that any advice provided is there to help you meet your goals.","start":390.1,"end":395.86,"sentiment":"neutral","sentiment_score":0.24952208399772643},{"text":"We provide advice under the best interest duty, and any advice provided does need to be in your best interest.","start":395.86,"end":401.33502,"sentiment":"neutral","sentiment_score":0.16280243173241615}],"sentiment":"neutral","sentiment_score":0.17157844946934628,"num_words":65,"start":381.135,"end":401.33502},{"sentences":[{"text":"And through the document here, we do outline a best interest duty on how the recommendations are there are made in your best interest and how they are there to help you meet your goals.","start":401.33502,"end":410.45502,"sentiment":"neutral","sentiment_score":0.16539292761257718},{"text":"Okay?","start":410.45502,"end":410.95502,"sentiment":"neutral","sentiment_score":0.10738539695739746},{"text":"If you scroll down past the table of contents, you've got a couple of pages noting the scope in, scope out section.","start":413.08,"end":418.84,"sentiment":"neutral","sentiment_score":0.03771944691173055},{"text":"So areas that we are looking at at the moment are superannuation, looking at helping you make your super work towards your goals.","start":418.84,"end":426.20502,"sentiment":"neutral","sentiment_score":0.09997425892430803},{"text":"You wanna access super at the age of 60, but you have other goals of being able to retire earlier than that.","start":426.20502,"end":431.665,"sentiment":"neutral","sentiment_score":0.09185662425377152}],"sentiment":"neutral","sentiment_score":0.10724484839124009,"num_words":103,"start":401.33502,"end":431.665},{"sentences":[{"text":"We've also we've no.","start":433.005,"end":436.285,"sentiment":"neutral","sentiment_score":-0.17025790503248572},{"text":"You're fine.","start":436.285,"end":436.845,"sentiment":"neutral","sentiment_score":-0.27240803837776184},{"text":"You cut me off.","start":436.845,"end":437.885,"sentiment":"negative","sentiment_score":-0.529038991779089},{"text":"It's fine.","start":437.885,"end":438.41998,"sentiment":"positive","sentiment_score":0.4547491669654846},{"text":"Like, this is your time.","start":438.41998,"end":439.78,"sentiment":"neutral","sentiment_score":0.3169375598430634}],"sentiment":"neutral","sentiment_score":-0.04987161946209038,"num_words":17,"start":433.005,"end":439.78},{"sentences":[{"text":"This is your document.","start":439.78,"end":440.66,"sentiment":"neutral","sentiment_score":0.2796189486980438},{"text":"If you need me to stop or you have questions or anything that you wanna add, you let me know.","start":440.66,"end":444.66,"sentiment":"neutral","sentiment_score":0.22740902826189996},{"text":"Okay?","start":444.66,"end":444.97998,"sentiment":"neutral","sentiment_score":0.3118011951446533},{"text":"I'm more than happy for to stop and sort of let you jump in at any point.","start":444.97998,"end":449.4,"sentiment":"positive","sentiment_score":0.6429067341720357},{"text":"That's okay.","start":451.125,"end":451.845,"sentiment":"positive","sentiment_score":0.45123031735420227}],"sentiment":"positive","sentiment_score":0.40478028797290544,"num_words":44,"start":439.78,"end":451.845},{"sentences":[{"text":"The next section here is about our personal insurances.","start":451.845,"end":455.065,"sentiment":"neutral","sentiment_score":0.11801276273197597},{"text":"So you do have your insurances within Aware Super there.","start":455.125,"end":457.76498,"sentiment":"neutral","sentiment_score":0.1627931699156761},{"text":"We are retaining the income protection component.","start":457.76498,"end":460.745,"sentiment":"neutral","sentiment_score":0.17231679175581252},{"text":"You're not really worried about life and TPD.","start":460.88498,"end":462.72498,"sentiment":"neutral","sentiment_score":0.07840377744287252},{"text":"They don't have any of that anyway.","start":462.72498,"end":464.345,"sentiment":"neutral","sentiment_score":0.12722922435828618}],"sentiment":"neutral","sentiment_score":0.13205119258746867,"num_words":41,"start":451.845,"end":464.345},{"sentences":[{"text":"You do also have an employer paid policy that you kinda sent to me.","start":464.78998,"end":468.06998,"sentiment":"neutral","sentiment_score":0.21731037540095194},{"text":"So we have had a good review of that for you, and I've made a recommendation on that one for you.","start":468.06998,"end":472.49,"sentiment":"positive","sentiment_score":0.35056380217983607},{"text":"We've got the estate planning side of things in there as well.","start":473.83,"end":476.38998,"sentiment":"neutral","sentiment_score":0.19805962964892387},{"text":"So you wanna give beneficiaries to be paid to your daughter.","start":476.38998,"end":478.80502,"sentiment":"neutral","sentiment_score":0.19382576915350827},{"text":"She is a minor, but making sure that she receives the benefit.","start":478.80502,"end":481.70502,"sentiment":"neutral","sentiment_score":0.15311141187946}],"sentiment":"neutral","sentiment_score":0.23929030086312975,"num_words":70,"start":464.78998,"end":481.70502},{"sentences":[{"text":"So I have made a recommendation to assist you with that.","start":482.40503,"end":485.46503,"sentiment":"neutral","sentiment_score":0.2817154960198836},{"text":"And we've also got your personal investment side of things.","start":487.20502,"end":489.97,"sentiment":"neutral","sentiment_score":0.14411810860037805},{"text":"So you're hoping to be able to retire earlier than 60, say, between 50 to 55.","start":489.97,"end":494.53,"sentiment":"neutral","sentiment_score":0.13511796295642853},{"text":"So you've got some money set aside and wanted to sort of have a goal of drawing down an income of between $6,600 per week to 800 per week.","start":494.53,"end":502.455,"sentiment":"neutral","sentiment_score":0.16362866810683546},{"text":"So we've looked at personal investments and how to structure that for you.","start":502.775,"end":506.47498,"sentiment":"neutral","sentiment_score":0.12815639491264635}],"sentiment":"neutral","sentiment_score":0.16598991719605047,"num_words":79,"start":482.40503,"end":506.47498},{"sentences":[{"text":"We have also considered what to do with the investment prop with your land as well.","start":506.53497,"end":511.175,"sentiment":"neutral","sentiment_score":0.0856235281098634},{"text":"One of those there was something else you asked me to look into was what to do with the land.","start":511.175,"end":515.73,"sentiment":"neutral","sentiment_score":0.043809278029948474},{"text":"So I have also popped in there a little bit on whether you sell that or not.","start":515.81,"end":519.73,"sentiment":"neutral","sentiment_score":0.022234409170992234},{"text":"Okay?","start":519.73,"end":520.23,"sentiment":"neutral","sentiment_score":0.034738946706056595},{"text":"Perfect.","start":522.20996,"end":522.70996,"sentiment":"neutral","sentiment_score":0.21452711522579193}],"sentiment":"neutral","sentiment_score":0.052243873239918186,"num_words":55,"start":506.53497,"end":522.70996},{"sentences":[{"text":"You alright?","start":523.01,"end":523.49,"sentiment":"neutral","sentiment_score":0.10184502601623535},{"text":"Are you okay?","start":523.49,"end":524.23,"sentiment":"neutral","sentiment_score":0.08711325625578563},{"text":"It's all good.","start":529.185,"end":530.085,"sentiment":"positive","sentiment_score":0.49296243985493976},{"text":"All good.","start":530.305,"end":531.125,"sentiment":"positive","sentiment_score":0.41838885843753815},{"text":"And then areas that we've scoped out is just the personal insurance side of things.","start":532.865,"end":537.585,"sentiment":"neutral","sentiment_score":0.08316389744480451}],"sentiment":"neutral","sentiment_score":0.16112613275647164,"num_words":25,"start":523.01,"end":537.585},{"sentences":[{"text":"So you don't have life, TPD, and trauma.","start":537.585,"end":539.505,"sentiment":"neutral","sentiment_score":0.04305524181108922},{"text":"You weren't sort of worried too much about about those sorts of options there.","start":539.505,"end":542.97,"sentiment":"neutral","sentiment_score":0.0589558660451855},{"text":"We've scoped those out of the advice document.","start":543.20996,"end":545.55,"sentiment":"neutral","sentiment_score":0.09261125279590487},{"text":"Okay?","start":545.85,"end":546.35,"sentiment":"neutral","sentiment_score":0.07957831770181656},{"text":"Perfect.","start":548.08997,"end":548.58997,"sentiment":"neutral","sentiment_score":0.05087834224104881}],"sentiment":"neutral","sentiment_score":0.06378658566973172,"num_words":32,"start":537.585,"end":548.58997},{"sentences":[{"text":"So to make it easier, if you scroll down past the limited advice warning, that's just letting you know that this advice is a limited advice document which goes in and out areas that we are and are not providing advice around.","start":548.73,"end":560.72504,"sentiment":"neutral","sentiment_score":-0.04078064712562731},{"text":"You've also got here that we're not lawyers.","start":561.745,"end":563.905,"sentiment":"neutral","sentiment_score":-0.016522460151463747},{"text":"So when it comes to the estate planning side of things, we do put a recommendation in there to speak to a solicitor to have a will and power of attorney drawn up, but we don't do those for you.","start":563.905,"end":573.425,"sentiment":"neutral","sentiment_score":0.05027527823112905},{"text":"So we can refer you to a solicitor to do for the drawing of a will and power of attorney.","start":573.425,"end":577.67004,"sentiment":"neutral","sentiment_score":0.14710554294288158},{"text":"Or if you do have one that you're comfortable working with, that's always fine as well.","start":577.89,"end":582.45,"sentiment":"neutral","sentiment_score":0.2158787064254284}],"sentiment":"neutral","sentiment_score":0.05208106690810786,"num_words":126,"start":548.73,"end":582.45},{"sentences":[{"text":"Okay?","start":582.45,"end":582.95,"sentiment":"neutral","sentiment_score":0.1069464161992073},{"text":"We've also got it in here that under the Better Advice app 2021, I am a qualified relevant tax provider.","start":584.37,"end":591.545,"sentiment":"neutral","sentiment_score":0.17398807927966117},{"text":"That essentially means that I'm able to provide financial advice around tax and tax related issues.","start":591.545,"end":596.345,"sentiment":"neutral","sentiment_score":0.1776715200394392},{"text":"However, we're not accountants.","start":596.345,"end":597.64496,"sentiment":"neutral","sentiment_score":0.015194608829915524},{"text":"So we can't do your tax return for you, but we can refer you to a qualified tax accountant should you require the services of one.","start":597.70496,"end":605.39996,"sentiment":"neutral","sentiment_score":0.10146801374279536}],"sentiment":"neutral","sentiment_score":0.1362447629112806,"num_words":67,"start":582.45,"end":605.39996},{"sentences":[{"text":"And we provide advice around personal insurance products, so things like life, TPD, income protection, certain types of business liability insurances.","start":606.66,"end":615.0,"sentiment":"neutral","sentiment_score":0.08512933073299271},{"text":"Other types of insurances are general insurance products, and we don't provide advice around general insurance products, but we can refer you through to a general insurance broker if you require the services of one.","start":615.90497,"end":626.305,"sentiment":"neutral","sentiment_score":0.037824564320700506},{"text":"All good?","start":626.305,"end":627.045,"sentiment":"neutral","sentiment_score":0.24956583231687546},{"text":"Perfect.","start":628.32,"end":628.82,"sentiment":"positive","sentiment_score":0.5087084770202637},{"text":"The next page has the about you section.","start":629.44,"end":631.76,"sentiment":"neutral","sentiment_score":0.1248517856001854}],"sentiment":"neutral","sentiment_score":0.07639149437422182,"num_words":67,"start":606.66,"end":631.76},{"sentences":[{"text":"If you can just run your eyes over that one for me.","start":631.76,"end":634.5,"sentiment":"neutral","sentiment_score":0.08519404133160909},{"text":"Just to yeah.","start":635.92,"end":638.24,"sentiment":"neutral","sentiment_score":0.044240434964497886},{"text":"Just let me know if there's been any major changes there at all.","start":638.24,"end":641.06,"sentiment":"neutral","sentiment_score":0.022883675419367276},{"text":"Nice pay increase under the sun at all.","start":643.875,"end":645.89496,"sentiment":"positive","sentiment_score":0.3844817206263542},{"text":"Yeah.","start":649.95496,"end":650.355,"sentiment":"neutral","sentiment_score":0.029342208057641983}],"sentiment":"neutral","sentiment_score":0.123181987956569,"num_words":37,"start":631.76,"end":650.355},{"sentences":[{"text":"Have you got any pay rises?","start":650.355,"end":651.89496,"sentiment":"neutral","sentiment_score":0.0019616495507458844},{"text":"Oh, wow.","start":661.47,"end":662.29,"sentiment":"neutral","sentiment_score":0.2394985593855381},{"text":"Okay.","start":682.48,"end":682.88,"sentiment":"neutral","sentiment_score":0.26157134771347046},{"text":"Perfect.","start":682.88,"end":683.38,"sentiment":"positive","sentiment_score":0.5464969873428345},{"text":"Perfect.","start":683.52,"end":684.02,"sentiment":"positive","sentiment_score":0.53596031665802}],"sentiment":"neutral","sentiment_score":0.16679960616271605,"num_words":11,"start":650.355,"end":684.02},{"sentences":[{"text":"That'll be great.","start":684.24,"end":685.2,"sentiment":"positive","sentiment_score":0.531475285689036},{"text":"Well, when you do, feel free to let us know, and we can always update the advice to reflect for you, okay, if there's any need to.","start":685.2,"end":691.54004,"sentiment":"neutral","sentiment_score":0.12204553835369923},{"text":"Perfect.","start":692.08,"end":692.58,"sentiment":"neutral","sentiment_score":0.23569218814373016},{"text":"Yes.","start":695.03503,"end":695.53503,"sentiment":"neutral","sentiment_score":0.03748297318816185},{"text":"You can be single if you want.","start":704.235,"end":705.855,"sentiment":"neutral","sentiment_score":0.022820137574204376}],"sentiment":"neutral","sentiment_score":0.13647619274277717,"num_words":39,"start":684.24,"end":705.855},{"sentences":[{"text":"Yep.","start":707.48,"end":707.98,"sentiment":"neutral","sentiment_score":0.02534889243543148},{"text":"Yep.","start":710.2,"end":710.52,"sentiment":"neutral","sentiment_score":0.02569664642214775},{"text":"That's fine.","start":710.52,"end":711.26,"sentiment":"neutral","sentiment_score":0.03055173810571432},{"text":"Not a problem at 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good?","start":741.51,"end":742.49,"sentiment":"neutral","sentiment_score":0.17808343470096588},{"text":"Yep.","start":742.79004,"end":743.29004,"sentiment":"neutral","sentiment_score":0.13935914635658264},{"text":"Perfect.","start":745.05505,"end":745.55505,"sentiment":"positive","sentiment_score":0.47579777240753174}],"sentiment":"neutral","sentiment_score":0.20461411525805792,"num_words":6,"start":730.135,"end":745.55505},{"sentences":[{"text":"Excellent.","start":745.775,"end":746.275,"sentiment":"positive","sentiment_score":0.45558813214302063},{"text":"The next page that outlines your assets and liabilities there is double checking to see if there's been any major changes at all.","start":746.97504,"end":753.135,"sentiment":"neutral","sentiment_score":0.11982582817259042},{"text":"This is from when we did the annual review back in January.","start":753.135,"end":755.875,"sentiment":"neutral","sentiment_score":0.06419102102518082},{"text":"So there could be some changes to maybe update there, but I just wasn't really sure if you needed any of those figures updated.","start":755.935,"end":762.97003,"sentiment":"neutral","sentiment_score":0.04244663147255778},{"text":"It's it's really just the savings that kind of reflects in the advice document.","start":763.03,"end":768.65,"sentiment":"neutral","sentiment_score":0.09719264454075269}],"sentiment":"neutral","sentiment_score":0.08596338663954993,"num_words":74,"start":745.775,"end":768.65},{"sentences":[{"text":"But if anything else has changed, I'm happy to update it in the back end for you.","start":769.88495,"end":773.90497,"sentiment":"positive","sentiment_score":0.3354881475953495},{"text":"Yep.","start":782.22,"end":782.54,"sentiment":"neutral","sentiment_score":0.1199331432580948},{"text":"That's okay.","start":782.54,"end":783.36,"sentiment":"neutral","sentiment_score":0.30935274064540863},{"text":"That's good.","start":783.98,"end":784.88,"sentiment":"positive","sentiment_score":0.4962800145149231},{"text":"Yep.","start":784.94,"end":785.42,"sentiment":"neutral","sentiment_score":0.1072184070944786}],"sentiment":"neutral","sentiment_score":0.32790067694757297,"num_words":23,"start":769.88495,"end":785.42},{"sentences":[{"text":"Yep.","start":785.42,"end":785.74,"sentiment":"neutral","sentiment_score":0.08211611211299896},{"text":"That's fine.","start":785.74,"end":786.45996,"sentiment":"neutral","sentiment_score":0.24830324947834015},{"text":"Not a problem at all.","start":786.45996,"end":787.58,"sentiment":"positive","sentiment_score":0.37822062373161314},{"text":"Beautiful.","start":787.58,"end":788.08,"sentiment":"neutral","sentiment_score":0.10119491815567017},{"text":"And then underneath here, we've also got your superannuation.","start":788.86,"end":791.27997,"sentiment":"neutral","sentiment_score":0.02888957845667998}],"sentiment":"neutral","sentiment_score":0.1572792696663075,"num_words":18,"start":785.42,"end":791.27997},{"sentences":[{"text":"So we didn't have 24.","start":791.66,"end":792.94,"sentiment":"neutral","sentiment_score":0.01726073194295168},{"text":"And Aware, you've got your two balances there reflective as they are when we completed the document there.","start":792.94,"end":798.955,"sentiment":"neutral","sentiment_score":0.04383942546943823},{"text":"So 3800578 in Aware super and $292.06 3 and 72¢ and have 24 currently.","start":798.955,"end":805.855,"sentiment":"neutral","sentiment_score":0.02419516035857109},{"text":"Okay.","start":806.075,"end":806.575,"sentiment":"neutral","sentiment_score":0.07427195459604263},{"text":"Absolutely.","start":811.7,"end":812.2,"sentiment":"positive","sentiment_score":0.3825698494911194}],"sentiment":"neutral","sentiment_score":0.04333663702403244,"num_words":39,"start":791.66,"end":812.2},{"sentences":[{"text":"I've updated the document to reflect that, and we are do definitely wanna do a transfer of everything but 10,000.","start":812.42,"end":818.34,"sentiment":"positive","sentiment_score":0.33822972774505616},{"text":"But I just wanted to provide this and update the advice for you first up.","start":818.34,"end":822.04,"sentiment":"neutral","sentiment_score":0.21496041814486186},{"text":"Okay.","start":822.18,"end":822.68,"sentiment":"positive","sentiment_score":0.38468295335769653},{"text":"Perfect.","start":822.95496,"end":823.45496,"sentiment":"positive","sentiment_score":0.6683815717697144},{"text":"The next page does outline your insurance policies there.","start":824.075,"end":827.915,"sentiment":"neutral","sentiment_score":0.20548243489530352}],"sentiment":"neutral","sentiment_score":0.2802479840491129,"num_words":46,"start":812.42,"end":827.915},{"sentences":[{"text":"The top the top ones are your Aware Super policies.","start":827.915,"end":832.095,"sentiment":"neutral","sentiment_score":0.15132303759455681},{"text":"You will see here that the policy for your income protection is noted as two separate, and that is because Aware noted as two separate policies.","start":832.315,"end":839.62,"sentiment":"neutral","sentiment_score":0.07043359242379665},{"text":"You do have one income protection.","start":840.16003,"end":841.78,"sentiment":"neutral","sentiment_score":0.07051410650213559},{"text":"You're just paying for the two separate amounts.","start":842.16003,"end":844.08,"sentiment":"neutral","sentiment_score":0.0841229259967804},{"text":"It's like they were fixed as separate policies in Aware.","start":844.08,"end":846.80005,"sentiment":"neutral","sentiment_score":0.08736580312252044}],"sentiment":"neutral","sentiment_score":0.08857049761960904,"num_words":60,"start":827.915,"end":846.80005},{"sentences":[{"text":"So when I got your statement through, we had a really good scan of it.","start":846.80005,"end":849.735,"sentiment":"neutral","sentiment_score":0.19714492857456206},{"text":"Essentially, you're covered for a monthly benefit of about 5,000 that's before income tax is effective.","start":850.135,"end":855.355,"sentiment":"neutral","sentiment_score":0.10860293684527278},{"text":"You have a ninety day wait and a five year benefit period.","start":855.575,"end":858.535,"sentiment":"neutral","sentiment_score":0.11916962700585525},{"text":"They are steps policies.","start":858.535,"end":859.755,"sentiment":"neutral","sentiment_score":0.07556965760886669},{"text":"It's just that you just have they're just noted on your statement as two separate policies.","start":860.45496,"end":864.75,"sentiment":"neutral","sentiment_score":0.06416706973686814}],"sentiment":"neutral","sentiment_score":0.11831441568949866,"num_words":63,"start":846.80005,"end":864.75},{"sentences":[{"text":"So I noted them in here the same way your statement notes them.","start":864.75,"end":867.87,"sentiment":"neutral","sentiment_score":0.05864048204742945},{"text":"Okay.","start":867.87,"end":868.37,"sentiment":"neutral","sentiment_score":0.13559666275978088},{"text":"Perfect.","start":869.55,"end":870.05,"sentiment":"positive","sentiment_score":0.3371061384677887},{"text":"And then you've got your VMIA policy as well.","start":870.19,"end":873.31,"sentiment":"neutral","sentiment_score":0.184100608030955},{"text":"This is the employer paid policy there.","start":873.31,"end":875.23,"sentiment":"neutral","sentiment_score":0.12000622493880135}],"sentiment":"neutral","sentiment_score":0.12038639079659216,"num_words":31,"start":864.75,"end":875.23},{"sentences":[{"text":"I had a really good look at the information provided, read the PDF document, went through it all.","start":875.23,"end":880.625,"sentiment":"neutral","sentiment_score":0.18317629562483895},{"text":"This is essentially an outline of the policy, and I've got more details below for you.","start":881.08496,"end":885.50494,"sentiment":"neutral","sentiment_score":0.13803327549248934},{"text":"It does offer a lump sum benefit.","start":885.565,"end":887.425,"sentiment":"neutral","sentiment_score":0.13252889152084077},{"text":"We are limited to knowing exactly what the lump sum is and what it is paid on.","start":887.485,"end":893.08997,"sentiment":"neutral","sentiment_score":0.06140549831530627},{"text":"It seems to give us, like, a list of different scenarios that the lump sum benefit could be paid out at and how long you need to be have provided service to be able to get that lump sum benefit given the different circumstances.","start":893.08997,"end":905.475,"sentiment":"neutral","sentiment_score":0.1395809745246714}],"sentiment":"neutral","sentiment_score":0.1335182776492016,"num_words":102,"start":875.23,"end":905.475},{"sentences":[{"text":"But it does offer a lump sum benefit in the event of certain illnesses or traumatic events or, you know, certain disabilities that might occur.","start":906.735,"end":915.315,"sentiment":"neutral","sentiment_score":0.08457393303513527},{"text":"And it also does offer a weekly benefit amount.","start":916.33496,"end":918.7,"sentiment":"neutral","sentiment_score":0.29659289452764726},{"text":"It doesn't seem to have a waiting period, but it offers that for about a hundred and four weeks.","start":918.7,"end":923.68,"sentiment":"neutral","sentiment_score":0.23421003551859604},{"text":"Realistically, both of these policies have a place.","start":924.3,"end":928.08,"sentiment":"neutral","sentiment_score":0.23800097219645977},{"text":"This VMIA policy is not necessarily income protection.","start":928.45996,"end":932.39996,"sentiment":"neutral","sentiment_score":0.08444813918322325}],"sentiment":"neutral","sentiment_score":0.17120678177562312,"num_words":69,"start":906.735,"end":932.39996},{"sentences":[{"text":"It's more just a like, a accident benefit, and it's employer paid.","start":932.45996,"end":938.555,"sentiment":"neutral","sentiment_score":0.18499509679774442},{"text":"So it was actually not a bad benefit to keep to have on the side there.","start":938.615,"end":942.695,"sentiment":"positive","sentiment_score":0.4317751061171293},{"text":"So I have noted both of those to give you a bit of information around those.","start":942.695,"end":946.135,"sentiment":"neutral","sentiment_score":0.1957400906831026},{"text":"Okay?","start":946.135,"end":946.635,"sentiment":"neutral","sentiment_score":0.1375897377729416},{"text":"Perfect.","start":948.11005,"end":948.61005,"sentiment":"positive","sentiment_score":0.6336850523948669}],"sentiment":"neutral","sentiment_score":0.28329258914227073,"num_words":46,"start":932.45996,"end":948.61005},{"sentences":[{"text":"Now to make things easier, I will let you go and have a really good read of the entire document there.","start":949.07,"end":953.95,"sentiment":"positive","sentiment_score":0.46721006291253225},{"text":"But if I can get you to scroll down for me straight to page number.","start":953.95,"end":958.77,"sentiment":"neutral","sentiment_score":0.12216597373286883},{"text":"Sorry.","start":959.685,"end":960.16504,"sentiment":"neutral","sentiment_score":-0.051060374826192856},{"text":"I think I've passed it.","start":960.16504,"end":962.66504,"sentiment":"neutral","sentiment_score":-0.12110452950000763},{"text":"Nope.","start":971.22,"end":971.72,"sentiment":"neutral","sentiment_score":-0.03832386061549187}],"sentiment":"neutral","sentiment_score":0.2546277684701044,"num_words":43,"start":949.07,"end":971.72},{"sentences":[{"text":"Nope.","start":972.89996,"end":973.39996,"sentiment":"neutral","sentiment_score":-0.034426454454660416},{"text":"There is another I've got all the no.","start":973.77997,"end":978.89996,"sentiment":"neutral","sentiment_score":-0.023614347795955837},{"text":"I'll get you to scroll down for me, sorry, to page number 25.","start":978.89996,"end":981.8,"sentiment":"neutral","sentiment_score":-0.014772939065901132},{"text":"Yeah.","start":982.1,"end":982.42,"sentiment":"neutral","sentiment_score":0.02144739031791687},{"text":"20 five.","start":982.42,"end":983.235,"sentiment":"neutral","sentiment_score":0.034414480440318584}],"sentiment":"neutral","sentiment_score":-0.013004523739218711,"num_words":25,"start":972.89996,"end":983.235},{"sentences":[{"text":"Yeah.","start":983.71497,"end":984.21497,"sentiment":"neutral","sentiment_score":0.154921293258667},{"text":"Oh, good.","start":985.71497,"end":986.535,"sentiment":"positive","sentiment_score":0.3675721287727356},{"text":"I'll sort of show you the tables that gives you an outline.","start":986.915,"end":989.795,"sentiment":"neutral","sentiment_score":0.23253788674871126},{"text":"I'll talk you through the advice as we're going through these tables here.","start":989.795,"end":992.915,"sentiment":"neutral","sentiment_score":0.20383456693245813},{"text":"This just seems to be the best way to kind of explain it so you're looking at the what it is I'm talking about as I'm explaining the advice to you.","start":992.915,"end":1000.03,"sentiment":"neutral","sentiment_score":0.2379831051634204}],"sentiment":"neutral","sentiment_score":0.2323363698640112,"num_words":59,"start":983.71497,"end":1000.03},{"sentences":[{"text":"But then you can also go back later.","start":1000.09,"end":1001.85004,"sentiment":"neutral","sentiment_score":0.1180439805611968},{"text":"I've got all the sections individually noted, which is kind of what you're going through at the moment to get to this page.","start":1001.85004,"end":1008.99,"sentiment":"neutral","sentiment_score":0.14206183928510416},{"text":"And each of those individual sections out well, outlines the advice as I'm gonna explain it to you.","start":1009.485,"end":1014.865,"sentiment":"neutral","sentiment_score":0.18193401975764167},{"text":"Each individual section does have the advantages, disadvantages, and the risks involved and any, you know, risks, warnings, and any alternatives I've considered.","start":1015.245,"end":1025.5901,"sentiment":"neutral","sentiment_score":0.1095848826934462},{"text":"So I'll run through what I need to with you, and then I'll let you go back and read it all.","start":1025.65,"end":1029.65,"sentiment":"neutral","sentiment_score":0.21116705593608676}],"sentiment":"neutral","sentiment_score":0.155285451400985,"num_words":93,"start":1000.09,"end":1029.65},{"sentences":[{"text":"And then you can always come back to me with additional questions if you need to.","start":1029.97,"end":1033.65,"sentiment":"neutral","sentiment_score":0.2046316834166646},{"text":"Okay?","start":1033.65,"end":1034.15,"sentiment":"neutral","sentiment_score":0.13987860083580017},{"text":"Perfect.","start":1035.345,"end":1035.845,"sentiment":"positive","sentiment_score":0.5649341940879822},{"text":"Now the first recommendation that we are making is with regard to the super there.","start":1036.705,"end":1040.625,"sentiment":"neutral","sentiment_score":0.1662343015273412},{"text":"So you were working towards being able to access super at the age of 60.","start":1040.625,"end":1044.465,"sentiment":"neutral","sentiment_score":0.13541372666756313}],"sentiment":"neutral","sentiment_score":0.17715916984404126,"num_words":48,"start":1029.97,"end":1044.465},{"sentences":[{"text":"And when we sort of spoke at in January, we did note that some of your underlying investments had been underperforming.","start":1044.465,"end":1051.02,"sentiment":"neutral","sentiment_score":-0.14916237567861876},{"text":"So we wanted to do a bit of a revamp of the, portfolio and make sure we're rolling some money out of Aware Super so that the money in hard '24 is working harder for you.","start":1051.32,"end":1061.16,"sentiment":"neutral","sentiment_score":-0.07211033650673926},{"text":"That way, you're revamping things and removing those under underperforming underperforming investments.","start":1061.4,"end":1067.2649,"sentiment":"neutral","sentiment_score":-0.11047397212435801},{"text":"I do apologize.","start":1067.2649,"end":1068.065,"sentiment":"neutral","sentiment_score":-0.14284767458836237},{"text":"Sorry.","start":1068.065,"end":1068.565,"sentiment":"neutral","sentiment_score":-0.07629092037677765}],"sentiment":"neutral","sentiment_score":-0.10354662483736668,"num_words":73,"start":1044.465,"end":1068.565},{"sentences":[{"text":"So what we're gonna do here with regard to the recommendations, so moving all about 10,000 out of Aware, that just leaves you with $10,000 in Aware in the high growth option.","start":1070.385,"end":1079.825,"sentiment":"neutral","sentiment_score":0.31231546588242054},{"text":"There's no need to change that investment option.","start":1079.825,"end":1081.8,"sentiment":"neutral","sentiment_score":0.18332614190876484},{"text":"It does when we look at Aware and Hub 24, it does still keep you in line with your risk profile, which is great.","start":1081.9601,"end":1089.3401,"sentiment":"positive","sentiment_score":0.5757211757202944},{"text":"So removing about $28,005.78 and 45¢ from Aware and investing that in the Hub twenty four.","start":1089.4801,"end":1095.9801,"sentiment":"neutral","sentiment_score":0.10258731842041016},{"text":"Inside Hub twenty four, we're also gonna alter the portfolio some.","start":1096.485,"end":1100.085,"sentiment":"neutral","sentiment_score":0.004091888835484331}],"sentiment":"neutral","sentiment_score":0.2984648090476791,"num_words":91,"start":1070.385,"end":1100.085},{"sentences":[{"text":"So Ben along Australian Equities, that's the second investment down under the Hub twenty four column.","start":1100.085,"end":1104.905,"sentiment":"neutral","sentiment_score":-0.0222442977828905},{"text":"That one there has the one that's been underperforming.","start":1105.445,"end":1107.545,"sentiment":"neutral","sentiment_score":-0.12744373662604225},{"text":"That's the one we spoke about.","start":1108.165,"end":1109.445,"sentiment":"neutral","sentiment_score":-0.16452925403912863},{"text":"It has held your portfolio back a bit for the last few months.","start":1109.445,"end":1112.57,"sentiment":"neutral","sentiment_score":-0.32715759712916154},{"text":"So we have made a decision to remove that completely from the portfolio.","start":1113.0299,"end":1116.33,"sentiment":"neutral","sentiment_score":-0.2780937346128317}],"sentiment":"neutral","sentiment_score":-0.18172535493054934,"num_words":57,"start":1100.085,"end":1116.33},{"sentences":[{"text":"So we're selling all of that down.","start":1116.47,"end":1118.4099,"sentiment":"neutral","sentiment_score":-0.0942994553063597},{"text":"Within your hub 24, we're also gonna utilize and because Bennelong has seen some losses within the portfolio, we can utilize that to offset some of the gains and also rebalance your portfolio.","start":1119.75,"end":1131.3151,"sentiment":"neutral","sentiment_score":0.09960237100268855},{"text":"So you're not overexposed to any particular area or or overexposing your portfolio to more risk than you need to because it is very volatile at the moment.","start":1131.375,"end":1140.275,"sentiment":"neutral","sentiment_score":-0.20170694306060405},{"text":"So aside from selling all of that along there, we're also gonna sell a portion of the battery and lithium pack.","start":1140.8601,"end":1146.88,"sentiment":"neutral","sentiment_score":0.03474961185739154},{"text":"We're selling all of the bank hybrids because they're about to be phased out, so we can sell them now whilst we are maneuvering the portfolio and replace that with something else.","start":1147.02,"end":1156.0801,"sentiment":"neutral","sentiment_score":0.008661747247970197}],"sentiment":"neutral","sentiment_score":-0.016645409824896203,"num_words":121,"start":1116.47,"end":1156.0801},{"sentences":[{"text":"And, yes, Critical Gold is doing very, very well, but you do have a lot of it right now.","start":1156.475,"end":1161.035,"sentiment":"neutral","sentiment_score":-0.00455363055593089},{"text":"So we do need to rebalance the portfolio back, and we're gonna sell a little bit of that.","start":1161.035,"end":1165.535,"sentiment":"neutral","sentiment_score":-0.08386817605545123},{"text":"You'll still have 6% invested, which is great, and it'll grow more.","start":1165.755,"end":1169.61,"sentiment":"positive","sentiment_score":0.6763663589954376},{"text":"We're essentially cementing the gains that it has been so we can have that reinvested back into your portfolio and so that money continues to grow.","start":1169.61,"end":1178.03,"sentiment":"positive","sentiment_score":0.6680097327782557},{"text":"Okay?","start":1178.09,"end":1178.59,"sentiment":"neutral","sentiment_score":0.26086992025375366}],"sentiment":"neutral","sentiment_score":0.31775490961674796,"num_words":76,"start":1156.475,"end":1178.59},{"sentences":[{"text":"That beautiful.","start":1180.25,"end":1181.07,"sentiment":"positive","sentiment_score":0.5666063725948334},{"text":"I thought when I saw the physical gold, I'm gonna I'm gonna have to focus on this one a bit because you'll be like, why are we selling gold?","start":1181.29,"end":1186.855,"sentiment":"neutral","sentiment_score":0.011165435313536176},{"text":"It's not a bad price.","start":1191.475,"end":1192.835,"sentiment":"positive","sentiment_score":0.3495444655418396},{"text":"It's a good price.","start":1192.835,"end":1193.895,"sentiment":"positive","sentiment_score":0.46057427674531937},{"text":"Once we've kinda completed those sell downs there, we're gonna buy into the cybersecurity.","start":1194.9149,"end":1199.015,"sentiment":"neutral","sentiment_score":0.09719143648232732}],"sentiment":"neutral","sentiment_score":0.1186612947171347,"num_words":54,"start":1180.25,"end":1199.015},{"sentences":[{"text":"So we bring that back up from the 5% to about seven.","start":1199.395,"end":1203.3601,"sentiment":"neutral","sentiment_score":0.09302457049489021},{"text":"We're gonna instead of having the core composite bonds, we're gonna hold this, the iShares core composite bond.","start":1203.74,"end":1209.66,"sentiment":"neutral","sentiment_score":0.06626497364292543},{"text":"So instead of bank hybrids, we're gonna hold the core composite bond.","start":1209.66,"end":1212.735,"sentiment":"neutral","sentiment_score":0.05296623442942897},{"text":"Essentially, because bank hybrids are being phased out in the future, we're gonna remove them now out of your portfolio so we don't have to at a later time.","start":1213.775,"end":1221.0549,"sentiment":"neutral","sentiment_score":0.047481619592370655},{"text":"Core composite bonds, again, are a defensive investment, but this gives you access and exposure to both government and corporate funds, not only here in Australia, but globally as well.","start":1221.0549,"end":1230.45,"sentiment":"neutral","sentiment_score":0.17089497124155362}],"sentiment":"neutral","sentiment_score":0.09354926029791927,"num_words":101,"start":1199.395,"end":1230.45},{"sentences":[{"text":"So it's giving you diversification.","start":1230.45,"end":1231.83,"sentiment":"neutral","sentiment_score":0.2788285732269287},{"text":"It's a defensive investment, and bonds are really good for income producing.","start":1232.13,"end":1236.1499,"sentiment":"neutral","sentiment_score":0.3156631216406822},{"text":"They're a bit like term deposits where you put your money into, you know, the bondholder.","start":1236.21,"end":1241.175,"sentiment":"neutral","sentiment_score":0.12963554030284286},{"text":"You give your money to the bondholder.","start":1241.3151,"end":1242.775,"sentiment":"neutral","sentiment_score":0.09135364847523826},{"text":"It could be a company or the government.","start":1242.8351,"end":1245.015,"sentiment":"neutral","sentiment_score":0.06685323873534799}],"sentiment":"neutral","sentiment_score":0.17563688374745348,"num_words":48,"start":1230.45,"end":1245.015},{"sentences":[{"text":"They use that money to either invest in their company or to lend out to other, yes, borrowers if it's like a bank or something.","start":1245.875,"end":1253.095,"sentiment":"neutral","sentiment_score":0.11616995006799698},{"text":"And then they guarantee you, a certain rate of return, a bit like with your term deposit.","start":1253.82,"end":1259.1,"sentiment":"neutral","sentiment_score":0.14910395794055042},{"text":"You might get an a a cash rate of, like, 3% on your funds, and at the end of the term, you get your your interest as well as the income, as well as your capital back.","start":1259.1,"end":1269.6749,"sentiment":"neutral","sentiment_score":0.18483755274398908},{"text":"The same thing works for bonds.","start":1269.735,"end":1271.1749,"sentiment":"neutral","sentiment_score":0.13852719590067863},{"text":"You're essentially giving your money to the government or to the company.","start":1271.1749,"end":1274.0549,"sentiment":"neutral","sentiment_score":0.13366953593989214}],"sentiment":"neutral","sentiment_score":0.15168250613298612,"num_words":97,"start":1245.875,"end":1274.0549},{"sentences":[{"text":"They're gonna use it for something internally.","start":1274.0549,"end":1275.995,"sentiment":"neutral","sentiment_score":0.12066404361810003},{"text":"They're gonna tell you that you're gonna get this guaranteed rate of return, and then they essentially give you your money back at the end of the term with the interest that you've earned there.","start":1276.0549,"end":1285.29,"sentiment":"positive","sentiment_score":0.48770646027156284},{"text":"Core composite bonds can also pay coupon payments throughout the term of it.","start":1285.6699,"end":1290.23,"sentiment":"positive","sentiment_score":0.37414698188121503},{"text":"So you might get money back on a monthly, fortnightly, or even your half yearly basis, And that's really good for your portfolio because money earned out of the investments is put back into your cash account and reinvested back into your portfolio.","start":1290.23,"end":1303.565,"sentiment":"positive","sentiment_score":0.6336775269619254},{"text":"Okay?","start":1303.945,"end":1304.445,"sentiment":"neutral","sentiment_score":0.300096720457077}],"sentiment":"positive","sentiment_score":0.5083486420111825,"num_words":99,"start":1274.0549,"end":1304.445},{"sentences":[{"text":"We've also got the S and P 500.","start":1306.585,"end":1308.685,"sentiment":"neutral","sentiment_score":0.2127939984202385},{"text":"So we are buying a little bit more of that, bringing your portfolio back to 25% there, having some port some bank property to bringing your portfolio back to 5% there.","start":1308.745,"end":1318.93,"sentiment":"neutral","sentiment_score":0.3288354888077705},{"text":"We've got the beta shares Raffy 200.","start":1319.23,"end":1321.39,"sentiment":"neutral","sentiment_score":0.3212165811232158},{"text":"We're still keeping that, buying some more, and bringing you back to 15% there.","start":1321.39,"end":1325.655,"sentiment":"positive","sentiment_score":0.446677884885243},{"text":"And because we're removing the Benelong Australian equities, we're gonna buy into the beta shares a 200.","start":1325.8151,"end":1331.515,"sentiment":"neutral","sentiment_score":0.14913072853403933}],"sentiment":"neutral","sentiment_score":0.2978374153472386,"num_words":77,"start":1306.585,"end":1331.515},{"sentences":[{"text":"This is giving you access to the top 200 companies in Australia.","start":1331.735,"end":1335.355,"sentiment":"neutral","sentiment_score":0.2704474988083045},{"text":"Essentially, with the a two hundred, it's it's still giving you the exposure into the Australian equities, which is what Bennelong exposure was giving you into.","start":1335.975,"end":1344.5,"sentiment":"neutral","sentiment_score":0.16586363630799147},{"text":"However, Bennelong tends to hold anywhere between, you know, 15 to 30 different companies, whereas the a two hundred is the top 200 companies on the ASX.","start":1344.56,"end":1353.1649,"sentiment":"neutral","sentiment_score":0.14477949189367117},{"text":"So you've actually got a little bit more diversification by holding that one.","start":1353.1649,"end":1356.705,"sentiment":"positive","sentiment_score":0.39920609960189235},{"text":"The a two hundred actually pays really good high dividends as well.","start":1357.085,"end":1360.3849,"sentiment":"positive","sentiment_score":0.7278708269198736}],"sentiment":"neutral","sentiment_score":0.2821222225411071,"num_words":90,"start":1331.735,"end":1360.3849},{"sentences":[{"text":"So receiving dividends out of these investments, again, is good for compounding those dividends.","start":1360.6849,"end":1365.1849,"sentiment":"positive","sentiment_score":0.7096595551286425},{"text":"The income payments that get paid to your cash account and reinvest it back into your portfolio so that we can compound forward over time.","start":1365.245,"end":1372.92,"sentiment":"positive","sentiment_score":0.4909987187385559},{"text":"So that's essentially the portfolio, the buyers and sales, and how that will look at the end of it.","start":1373.06,"end":1377.9601,"sentiment":"positive","sentiment_score":0.45694804505298015},{"text":"On the very last column, the target balance there will show you.","start":1378.18,"end":1381.2201,"sentiment":"neutral","sentiment_score":0.2835182038446267},{"text":"So you'll end up with the the 10,000 in the high growth portfolio within Aware there.","start":1381.2201,"end":1386.005,"sentiment":"positive","sentiment_score":0.4610425913706422}],"sentiment":"positive","sentiment_score":0.48454784307368964,"num_words":86,"start":1360.6849,"end":1386.005},{"sentences":[{"text":"You'll end up with some battery and lithium tech, some physical gold, some we've got some cybersecurity, the core composite bonds, the S and P 500 in The US, and then also some VanEck property, the beta shares Raffy 200, and also the beta shares a 200 at the bottom there.","start":1386.2251,"end":1402.72,"sentiment":"neutral","sentiment_score":0.306677193033929},{"text":"So that's what your portfolio will look like once it's all kinda being rebalanced for you.","start":1402.72,"end":1407.2,"sentiment":"positive","sentiment_score":0.45739373937249184},{"text":"Okay?","start":1407.2,"end":1407.7,"sentiment":"neutral","sentiment_score":0.27461695671081543},{"text":"If you scroll down for me to page number 27, I'll show you the fee table because a part of making this decision isn't just about what we're buying and selling and making your portfolio look good.","start":1409.455,"end":1420.335,"sentiment":"neutral","sentiment_score":0.2953427254750922},{"text":"There's also making sure that it's working for you, and the cost of doing so is really important as well.","start":1420.335,"end":1426.7,"sentiment":"positive","sentiment_score":0.42855048179626465}],"sentiment":"positive","sentiment_score":0.3418571528792381,"num_words":125,"start":1386.2251,"end":1426.7},{"sentences":[{"text":"So you'll see here you've got the fee comparison table, and the first column is your current.","start":1427.1599,"end":1432.0399,"sentiment":"neutral","sentiment_score":0.16553613061414046},{"text":"You've got your hub twenty four with the current balance there.","start":1432.0399,"end":1434.9199,"sentiment":"neutral","sentiment_score":0.1695640371604399},{"text":"You've got the administration fees, investment fees, no other applicable fees to the fund there.","start":1434.9199,"end":1440.415,"sentiment":"neutral","sentiment_score":0.13544360448916754},{"text":"The ongoing service fee for our services, there's no contributions in the hub twenty four and no insurance premiums being deducted there.","start":1440.415,"end":1447.635,"sentiment":"neutral","sentiment_score":0.1754459718411619},{"text":"You've also got a where and your current balance there with your administration fees, investment fees noted.","start":1447.855,"end":1453.22,"sentiment":"neutral","sentiment_score":0.11693510413169861}],"sentiment":"neutral","sentiment_score":0.15315464447911192,"num_words":82,"start":1427.1599,"end":1453.22},{"sentences":[{"text":"There's contributions going in.","start":1453.28,"end":1455.04,"sentiment":"neutral","sentiment_score":0.13684556260704994},{"text":"No adviser fees coming out of the Aware Fund, and the insurance premiums, they're noted as well.","start":1455.04,"end":1460.26,"sentiment":"neutral","sentiment_score":0.1283495522597257},{"text":"Between the two funds at the moment, you are in a growth portfolio, and that growth portfolio over the past three years averaged about 7.5%.","start":1460.8,"end":1469.555,"sentiment":"neutral","sentiment_score":0.14511054158210754},{"text":"We've had to use a three year rolling average for this one because, unfortunately, the bank hybrids haven't been around as an investment for five years, so we don't have a five year rolling average for that one.","start":1469.775,"end":1479.42,"sentiment":"neutral","sentiment_score":-0.16819382400104874},{"text":"The performance hasn't been bad.","start":1480.38,"end":1482.14,"sentiment":"neutral","sentiment_score":0.127570441365242}],"sentiment":"neutral","sentiment_score":0.00678174239530992,"num_words":89,"start":1453.28,"end":1482.14},{"sentences":[{"text":"Admittedly, this is just an average of how these investments have performed over the past three years.","start":1482.14,"end":1487.9801,"sentiment":"neutral","sentiment_score":0.30647342871217165},{"text":"Averagely, we know that some years, you've received a lovely 10 or 15% return.","start":1487.9801,"end":1492.4801,"sentiment":"positive","sentiment_score":0.35528115928173065},{"text":"Other years, it might be only 5% return, and this year has been a little bit less just because of what happened with Bannalong there.","start":1492.6849,"end":1499.825,"sentiment":"neutral","sentiment_score":-0.02740227445960045},{"text":"But it's not a bad return and not a bad portfolio to be in.","start":1500.525,"end":1503.905,"sentiment":"positive","sentiment_score":0.3687346157218729},{"text":"By making the changes that we just went through before, within a way, you'll end up with 10,000 and have 24.","start":1503.965,"end":1510.3999,"sentiment":"neutral","sentiment_score":0.2027044722012111}],"sentiment":"neutral","sentiment_score":0.20789017794387682,"num_words":91,"start":1482.14,"end":1510.3999},{"sentences":[{"text":"We estimate a total starting balance of 318,505.","start":1510.3999,"end":1515.86,"sentiment":"neutral","sentiment_score":0.09092735638841987},{"text":"The difference there is 337.","start":1516.3999,"end":1518.64,"sentiment":"neutral","sentiment_score":0.010174565389752388},{"text":"Now CDT consequences for going through and changing your portfolio.","start":1518.64,"end":1523.025,"sentiment":"neutral","sentiment_score":-0.048339083790779114},{"text":"So because Benelong is down, it seems some losses.","start":1523.5651,"end":1526.205,"sentiment":"neutral","sentiment_score":-0.05262432247400284},{"text":"We're able to offset a lot of the CDT consequences with the losses there.","start":1526.205,"end":1530.785,"sentiment":"neutral","sentiment_score":0.13275579522762979}],"sentiment":"neutral","sentiment_score":0.036518762414546116,"num_words":46,"start":1510.3999,"end":1530.785},{"sentences":[{"text":"But by rebalancing your portfolio, it's estimated the CGT cost on your super fund, the tax cost will be $337.","start":1530.925,"end":1538.62,"sentiment":"neutral","sentiment_score":0.09734740611165763},{"text":"So this will all be dealt with by your super fund.","start":1538.84,"end":1541.4,"sentiment":"neutral","sentiment_score":0.1366875639015978},{"text":"Your super fund every year does a tax return just like you do in your own personal life, and they will account for that additional cost as part of the tax return that they do for you.","start":1541.4,"end":1551.395,"sentiment":"neutral","sentiment_score":0.2888554499761478},{"text":"Does that make sense so far?","start":1551.395,"end":1552.935,"sentiment":"neutral","sentiment_score":0.18399388094743094},{"text":"Yep.","start":1554.1951,"end":1554.5951,"sentiment":"neutral","sentiment_score":0.2689778506755829}],"sentiment":"neutral","sentiment_score":0.2068147214750449,"num_words":75,"start":1530.925,"end":1554.5951},{"sentences":[{"text":"Perfect.","start":1554.5951,"end":1555.0951,"sentiment":"positive","sentiment_score":0.6244955062866211},{"text":"By making the changes above there, you'll actually see the administration fees are different.","start":1556.115,"end":1561.5751,"sentiment":"neutral","sentiment_score":0.32348527546439854},{"text":"So the administration fees actually decrease a little bit by a 155.","start":1561.62,"end":1566.1,"sentiment":"positive","sentiment_score":0.3485320632656415},{"text":"So we can save you, for the first year, a $155 on administration fees.","start":1566.1,"end":1571.32,"sentiment":"positive","sentiment_score":0.5883866186652865},{"text":"And then by making the switch, you actually save $589 on investment fees.","start":1571.86,"end":1577.595,"sentiment":"positive","sentiment_score":0.5616143575081458}],"sentiment":"positive","sentiment_score":0.4606309894610334,"num_words":54,"start":1554.5951,"end":1577.595},{"sentences":[{"text":"So by removing Benelung, removing the bank hybrids, replacing those two investments, and rebalancing your portfolio, your investment fees actually decrease for the year.","start":1577.9149,"end":1586.895,"sentiment":"neutral","sentiment_score":0.28035617371400195},{"text":"So we save you about $589, which is really good because that's money that stays in your portfolio, which is working harder and compounding towards your retirement goals.","start":1587.115,"end":1596.2799,"sentiment":"positive","sentiment_score":0.7102667540311813},{"text":"Okay?","start":1596.74,"end":1597.24,"sentiment":"neutral","sentiment_score":0.1208553910255432},{"text":"Yep.","start":1597.62,"end":1598.1,"sentiment":"neutral","sentiment_score":0.21429920196533203},{"text":"Perfect.","start":1598.1,"end":1598.6,"sentiment":"positive","sentiment_score":0.4844968318939209}],"sentiment":"positive","sentiment_score":0.498830340125344,"num_words":55,"start":1577.9149,"end":1598.6},{"sentences":[{"text":"Your ongoing service fees do remain there.","start":1599.62,"end":1601.62,"sentiment":"neutral","sentiment_score":0.1840004793235234},{"text":"They are gonna increase a bit because the balance in Hub twenty four is increasing as well.","start":1601.62,"end":1606.065,"sentiment":"neutral","sentiment_score":0.18075785040855408},{"text":"As kind of we go through our ongoing service fees, they are 1.65% per annum.","start":1606.5449,"end":1611.2849,"sentiment":"neutral","sentiment_score":0.08086786319812139},{"text":"It is deducted in smaller monthly increments out of your super.","start":1611.6649,"end":1614.865,"sentiment":"neutral","sentiment_score":0.10297147049145265},{"text":"This is showing you the estimated fee for the first year oh, for this year.","start":1614.865,"end":1619.2649,"sentiment":"neutral","sentiment_score":0.06974034855763117}],"sentiment":"neutral","sentiment_score":0.11927224867619,"num_words":65,"start":1599.62,"end":1619.2649},{"sentences":[{"text":"Sorry.","start":1619.2649,"end":1619.7649,"sentiment":"neutral","sentiment_score":-0.15758004784584043},{"text":"With the ongoing service fee, as it is a percentage based fee, it fluctuates with the market.","start":1620.5399,"end":1625.0199,"sentiment":"neutral","sentiment_score":-0.15106002570075147},{"text":"So when our performance or when your performance in your super is doing really well, it means that our fee is gonna be a bit higher as well.","start":1625.0199,"end":1631.2,"sentiment":"neutral","sentiment_score":-0.09776609830026116},{"text":"However, when the market takes a bit of a dip with the volatility we volatility we are seeing at the moment, we can see those downtimes.","start":1631.2599,"end":1637.825,"sentiment":"neutral","sentiment_score":-0.17451952713040206},{"text":"So it means that, you know, when the portfolio is not performing as well, when we see downtimes, then our fee is gonna take a bit of a dip there with it as well.","start":1638.445,"end":1646.125,"sentiment":"neutral","sentiment_score":-0.13818494120941444}],"sentiment":"neutral","sentiment_score":-0.13866836739317426,"num_words":106,"start":1619.2649,"end":1646.125},{"sentences":[{"text":"So our fee is linked to the performance of your portfolio, which is really important.","start":1646.125,"end":1651.05,"sentiment":"neutral","sentiment_score":0.022463827580213546},{"text":"Okay?","start":1651.3501,"end":1651.8501,"sentiment":"neutral","sentiment_score":0.05918625369668007},{"text":"Perfect.","start":1653.3501,"end":1653.8501,"sentiment":"positive","sentiment_score":0.43976277112960815},{"text":"You've got your contribution still going into aware.","start":1654.39,"end":1656.79,"sentiment":"neutral","sentiment_score":0.2584898453205824},{"text":"We'll keep those going into aware.","start":1656.79,"end":1658.2301,"sentiment":"neutral","sentiment_score":0.21607236564159393}],"sentiment":"neutral","sentiment_score":0.13549223854657141,"num_words":31,"start":1646.125,"end":1658.2301},{"sentences":[{"text":"That is really important to retain your income protection for the time being, and then your insurance premiums there as well for your income protection inside Aware.","start":1658.2301,"end":1666.765,"sentiment":"neutral","sentiment_score":0.21685910004156608},{"text":"With the changes that we have above that, the still within that growth portfolio range, giving you that eighty twenty split, Making those changes and reevaluating how the portfolio has performed over the past three years, the rolling average is 15.04%.","start":1667.225,"end":1683.8701,"sentiment":"neutral","sentiment_score":0.1661552170791277},{"text":"So it has seen a greater performance than the previous essentially, the previous portfolio that we're in.","start":1683.93,"end":1690.155,"sentiment":"neutral","sentiment_score":0.22031535646494696},{"text":"We know markets go up and down.","start":1690.7151,"end":1692.155,"sentiment":"neutral","sentiment_score":-0.06533559837511607},{"text":"I don't expect you to get 15% every year over the next sort of ten years.","start":1692.155,"end":1696.155,"sentiment":"neutral","sentiment_score":-0.18631352670490742}],"sentiment":"neutral","sentiment_score":0.12013476893857673,"num_words":108,"start":1658.2301,"end":1696.155},{"sentences":[{"text":"However, if the market did perform really well and you were able to average that 15% on a yearly basis over the next five to ten years, Underneath that, you can see a projection table that estimates where you could end up.","start":1696.155,"end":1708.3099,"sentiment":"neutral","sentiment_score":0.18968297789494196},{"text":"Okay.","start":1708.45,"end":1708.95,"sentiment":"neutral","sentiment_score":0.11719633638858797},{"text":"Perfect.","start":1710.85,"end":1711.35,"sentiment":"neutral","sentiment_score":0.2861538231372833},{"text":"Do you have any questions so far?","start":1711.41,"end":1713.27,"sentiment":"neutral","sentiment_score":0.12209980349455561},{"text":"If you do, you you're fine.","start":1720.385,"end":1721.985,"sentiment":"neutral","sentiment_score":0.13837370152274767}],"sentiment":"neutral","sentiment_score":0.17640308885459313,"num_words":57,"start":1696.155,"end":1721.985},{"sentences":[{"text":"There's no such thing as silly question.","start":1721.985,"end":1723.585,"sentiment":"neutral","sentiment_score":-0.07203425520232745},{"text":"It doesn't matter what it is.","start":1723.585,"end":1724.705,"sentiment":"neutral","sentiment_score":0.06102105292181174},{"text":"You're welcome to ask it.","start":1724.705,"end":1726.245,"sentiment":"neutral","sentiment_score":0.2723630368709564},{"text":"Yes.","start":1734.0,"end":1734.5,"sentiment":"neutral","sentiment_score":0.07712249457836151},{"text":"Yeah.","start":1734.56,"end":1734.96,"sentiment":"neutral","sentiment_score":0.10242001712322236}],"sentiment":"neutral","sentiment_score":0.07016221135854721,"num_words":20,"start":1721.985,"end":1734.96},{"sentences":[{"text":"Correct.","start":1734.96,"end":1735.46,"sentiment":"neutral","sentiment_score":0.13376107811927795},{"text":"So it it takes it takes the initial initial balance.","start":1735.68,"end":1739.535,"sentiment":"neutral","sentiment_score":0.12165431827306747},{"text":"It it takes into account all the fees, your contributions, your insurance premiums, and then it projects with the the five the three year rolling average that we have here.","start":1739.615,"end":1749.2151,"sentiment":"neutral","sentiment_score":0.1376607892413934},{"text":"And if you were to obtain that kind of five three year rolling average, sorry, over the next five to ten years, this is where you could end up.","start":1749.2151,"end":1756.49,"sentiment":"neutral","sentiment_score":0.1766774122571123},{"text":"Okay?","start":1756.63,"end":1757.13,"sentiment":"neutral","sentiment_score":0.11919474601745604}],"sentiment":"neutral","sentiment_score":0.15102771323331646,"num_words":71,"start":1734.96,"end":1757.13},{"sentences":[{"text":"Perfect.","start":1758.47,"end":1758.97,"sentiment":"neutral","sentiment_score":0.08915534615516663},{"text":"Underneath that, we do also have the annualized returns as of the February 28.","start":1760.55,"end":1765.1101,"sentiment":"neutral","sentiment_score":0.1956240673150335},{"text":"So it just shows you how the two different portfolios have performed in comparison to each other.","start":1765.11,"end":1770.31,"sentiment":"positive","sentiment_score":0.3337612607899834},{"text":"Okay?","start":1770.31,"end":1770.81,"sentiment":"neutral","sentiment_score":0.1492624431848526},{"text":"So that is essentially the super.","start":1773.575,"end":1775.4349,"sentiment":"neutral","sentiment_score":0.2721368422110875}],"sentiment":"neutral","sentiment_score":0.2636901850883777,"num_words":39,"start":1758.47,"end":1775.4349},{"sentences":[{"text":"We are also recommending that you do retain the Aware super as well as the Hub 24.","start":1775.895,"end":1780.855,"sentiment":"neutral","sentiment_score":0.3300185887252583},{"text":"We'll do regular annual rollovers of everything by $1,010,000 dollars.","start":1780.855,"end":1785.18,"sentiment":"neutral","sentiment_score":0.251968064904213},{"text":"I do wanna see if Aware will allow us to add an opt in form as well just in case anything happens and say you're not working for a period of time without contributions going into Aware.","start":1785.66,"end":1795.5,"sentiment":"neutral","sentiment_score":0.11847513652331121},{"text":"If contributions don't go in for sixteen months, your income protection can cancel.","start":1795.5,"end":1800.2401,"sentiment":"negative","sentiment_score":-0.37627960168398344},{"text":"Whilst there's no risk of that at the moment because you are actually working, I still like to try and sign an opt in form.","start":1800.5449,"end":1806.725,"sentiment":"neutral","sentiment_score":0.02836481437087059}],"sentiment":"neutral","sentiment_score":0.08167708084425505,"num_words":102,"start":1775.895,"end":1806.725},{"sentences":[{"text":"It's just a sort of a backup protection for Aware for the industry funds to make sure that your insurance is remaining placed.","start":1806.865,"end":1813.47,"sentiment":"neutral","sentiment_score":0.21395647493393524},{"text":"So I'll I'll organize the one to be signed.","start":1813.95,"end":1815.87,"sentiment":"neutral","sentiment_score":0.19370550248357984},{"text":"We'll send it off to them and see if they'll accept it on your behalf for you.","start":1815.87,"end":1819.15,"sentiment":"neutral","sentiment_score":0.25777412775684805},{"text":"Okay?","start":1819.15,"end":1819.65,"sentiment":"neutral","sentiment_score":0.1487790048122406},{"text":"Perfect.","start":1821.39,"end":1821.89,"sentiment":"positive","sentiment_score":0.654697060585022}],"sentiment":"neutral","sentiment_score":0.23235264084502763,"num_words":51,"start":1806.865,"end":1821.89},{"sentences":[{"text":"When it comes to the best interest duty statements, and you'll see these through in there, essentially, both these recommendations are in your best interest.","start":1822.75,"end":1829.445,"sentiment":"positive","sentiment_score":0.40424764752388},{"text":"So the first recommendation to alter the portfolio within Hub 24, it's recommended and designed to reduce the overall investment management fees while maintaining your aligned growth risk profile over the longer term, working towards your goals and objectives.","start":1829.9249,"end":1843.625,"sentiment":"positive","sentiment_score":0.35418661129780304},{"text":"Essentially, lower fees provide a greater sorry.","start":1844.77,"end":1847.25,"sentiment":"positive","sentiment_score":0.40527387601988657},{"text":"Will allow a greater portion of your superannuation to remain invested in compounding over the longer term, and replacing underperforming investments and the bank hybrids as they are being phased out will allow changes to your portfolio, and the newer portfolio has had a greater rate of return.","start":1847.25,"end":1864.8151,"sentiment":"positive","sentiment_score":0.46969325778385},{"text":"So that can put you in a better position to achieve greater growth over the longer term depending on what the markets do.","start":1864.8151,"end":1872.54,"sentiment":"positive","sentiment_score":0.5914018439209979}],"sentiment":"positive","sentiment_score":0.4429852460891428,"num_words":142,"start":1822.75,"end":1872.54},{"sentences":[{"text":"Okay?","start":1872.54,"end":1873.04,"sentiment":"positive","sentiment_score":0.3475690186023712},{"text":"Perfect.","start":1874.7,"end":1875.2,"sentiment":"positive","sentiment_score":0.647911787033081},{"text":"Retaining aware is in your best interest because you do have your income protection there.","start":1875.58,"end":1880.16,"sentiment":"positive","sentiment_score":0.39613778789838155},{"text":"Having contributions going in and retaining that income protection is really important for the time being.","start":1880.22,"end":1884.94,"sentiment":"neutral","sentiment_score":0.31882825610227883},{"text":"So if anything was to happen, even though you do have some savings set aside there, because we are looking to invest that money, having the income protection provides an extra layer of cover.","start":1884.94,"end":1895.475,"sentiment":"neutral","sentiment_score":0.2188548520207405}],"sentiment":"neutral","sentiment_score":0.29074424911123603,"num_words":67,"start":1872.54,"end":1895.475},{"sentences":[{"text":"And while the benefit is probably not, it's a little bit lower than where you would realistically need based on income, it is still providing you with a level of benefit that we can always use to substitute with investment income if we needed to down the track.","start":1895.475,"end":1909.01,"sentiment":"neutral","sentiment_score":0.297939732670784},{"text":"But having that income protection there is still giving you a level of cover that you wouldn't otherwise have.","start":1909.31,"end":1914.765,"sentiment":"neutral","sentiment_score":0.2681217405356859},{"text":"Okay.","start":1915.005,"end":1915.505,"sentiment":"neutral","sentiment_score":0.17401912808418274},{"text":"Perfect.","start":1916.925,"end":1917.405,"sentiment":"positive","sentiment_score":0.48941516876220703},{"text":"Does that all make sense so far?","start":1917.405,"end":1919.105,"sentiment":"positive","sentiment_score":0.33638374720300945}],"sentiment":"neutral","sentiment_score":0.2949150100742516,"num_words":76,"start":1895.475,"end":1919.105},{"sentences":[{"text":"Yep.","start":1921.3251,"end":1921.8251,"sentiment":"neutral","sentiment_score":0.10198917984962463},{"text":"Yeah.","start":1923.3251,"end":1923.8251,"sentiment":"neutral","sentiment_score":0.14133703708648682},{"text":"That's okay.","start":1925.645,"end":1926.545,"sentiment":"positive","sentiment_score":0.3888112008571625},{"text":"All good.","start":1927.02,"end":1927.5801,"sentiment":"positive","sentiment_score":0.5688519775867462},{"text":"I'll try to go nice and slow through it all, try to make sure I'm explaining what I need to.","start":1927.5801,"end":1932.48,"sentiment":"neutral","sentiment_score":0.28176443874835966}],"sentiment":"neutral","sentiment_score":0.2997669749535047,"num_words":26,"start":1921.3251,"end":1932.48},{"sentences":[{"text":"You'll get the chance to go back and have a read through it as well.","start":1932.7001,"end":1935.26,"sentiment":"neutral","sentiment_score":0.21685593724250793},{"text":"So sometimes it can be hard, and I'm sort of going through the pages and looking at the things I need to to explain it to you, but sometimes it's easier when you go back and you sit down with it and have a bit of a read without me in your ear.","start":1935.26,"end":1945.885,"sentiment":"neutral","sentiment_score":0.11948514838685405},{"text":"It can always sort of make a little bit more sense, and then you can always come back and ask me extra questions later on as well.","start":1946.105,"end":1951.305,"sentiment":"neutral","sentiment_score":0.14821761805150244},{"text":"Okay?","start":1951.305,"end":1951.8,"sentiment":"neutral","sentiment_score":-0.040660105645656586},{"text":"Yep.","start":1961.4801,"end":1961.9801,"sentiment":"neutral","sentiment_score":0.06461061537265778}],"sentiment":"neutral","sentiment_score":0.14032348577586032,"num_words":97,"start":1932.7001,"end":1961.9801},{"sentences":[{"text":"Absolutely.","start":1965.735,"end":1966.235,"sentiment":"neutral","sentiment_score":0.09619465470314026},{"text":"Absolutely.","start":1966.7749,"end":1967.2749,"sentiment":"neutral","sentiment_score":0.2081078290939331},{"text":"Yeah.","start":1968.455,"end":1968.955,"sentiment":"neutral","sentiment_score":0.047023434191942215},{"text":"No.","start":1969.1749,"end":1969.6749,"sentiment":"neutral","sentiment_score":-0.02237807959318161},{"text":"Perfect.","start":1969.735,"end":1970.235,"sentiment":"neutral","sentiment_score":0.08858013153076172}],"sentiment":"neutral","sentiment_score":0.08350559398531913,"num_words":5,"start":1965.735,"end":1970.235},{"sentences":[{"text":"If you scroll down there for me to the next recommendation, this is on page number 22.","start":1971.735,"end":1976.315,"sentiment":"neutral","sentiment_score":0.053699650966069275},{"text":"This is about your employer paid policy.","start":1976.5349,"end":1979.24,"sentiment":"neutral","sentiment_score":0.02072864185486521},{"text":"The insurance is there.","start":1979.54,"end":1981.0,"sentiment":"neutral","sentiment_score":0.018213216215372086},{"text":"22.","start":1983.14,"end":1983.86,"sentiment":"neutral","sentiment_score":0.020337767899036407},{"text":"Yeah.","start":1983.86,"end":1984.36,"sentiment":"neutral","sentiment_score":0.05819232761859894}],"sentiment":"neutral","sentiment_score":0.0403125839928786,"num_words":30,"start":1971.735,"end":1984.36},{"sentences":[{"text":"So this is the VMIA insurance policy.","start":1985.54,"end":1988.92,"sentiment":"neutral","sentiment_score":0.1793183045727866},{"text":"It is an employer paid policy, and it is only offered to essentially workers in your area of work, which is kind of cool.","start":1989.3,"end":1996.9751,"sentiment":"neutral","sentiment_score":0.2980339204271634},{"text":"I am recommending, obviously, that you don't, you know, keep it.","start":1997.675,"end":2001.5951,"sentiment":"neutral","sentiment_score":0.25319676304405386},{"text":"There's no way for you to cancel it, but it is a really good policy to make sure that you do have access to and are able to retain.","start":2001.5951,"end":2007.935,"sentiment":"positive","sentiment_score":0.6354931094523134},{"text":"It is paid entirely by your employer, so at no cost to you.","start":2008.5,"end":2013.06,"sentiment":"positive","sentiment_score":0.503309068771509}],"sentiment":"positive","sentiment_score":0.43054196052253246,"num_words":84,"start":1985.54,"end":2013.06},{"sentences":[{"text":"The best insurances are the ones that you don't have to pay for.","start":2013.06,"end":2016.04,"sentiment":"positive","sentiment_score":0.529997509259444},{"text":"And it does provide, depending on the circumstances you're in and the accident available, a lump sum benefit of up to 250,000 there.","start":2016.42,"end":2024.905,"sentiment":"positive","sentiment_score":0.45656414589156274},{"text":"It also does provide a weekly benefit of $2,000.","start":2024.905,"end":2028.125,"sentiment":"neutral","sentiment_score":0.3041796353128221},{"text":"It essentially covers you sorry, for a hundred and four weeks.","start":2028.905,"end":2032.765,"sentiment":"neutral","sentiment_score":0.2947716767137701},{"text":"And this policy is in place until the age of 75.","start":2033.385,"end":2036.665,"sentiment":"neutral","sentiment_score":0.21815646372058176}],"sentiment":"positive","sentiment_score":0.38463834684286546,"num_words":67,"start":2013.06,"end":2036.665},{"sentences":[{"text":"So you'll be well and truly retired by the time this policy stops, but it does essentially expire at age 75 for yourself.","start":2036.665,"end":2043.75,"sentiment":"neutral","sentiment_score":0.2683868816365366},{"text":"The benefits to holding this policy are that it provides twenty four seven worldwide coverage, not limited to what sorry.","start":2044.77,"end":2051.97,"sentiment":"neutral","sentiment_score":0.2650271523743868},{"text":"You're right.","start":2051.97,"end":2052.615,"sentiment":"neutral","sentiment_score":0.10901780799031258},{"text":"Are you okay?","start":2053.175,"end":2053.9949,"sentiment":"neutral","sentiment_score":0.058548927307128906},{"text":"Can you hear me, Nate?","start":2055.735,"end":2056.955,"sentiment":"neutral","sentiment_score":-0.007359659427311272}],"sentiment":"neutral","sentiment_score":0.22321368728101007,"num_words":53,"start":2036.665,"end":2056.955},{"sentences":[{"text":"Yeah.","start":2058.375,"end":2058.775,"sentiment":"neutral","sentiment_score":0.08847352862358093},{"text":"Yeah.","start":2058.775,"end":2059.095,"sentiment":"neutral","sentiment_score":0.14180395007133484},{"text":"All good.","start":2059.095,"end":2059.4949,"sentiment":"neutral","sentiment_score":0.20204535126686096},{"text":"My phone my phone just sort of did something a bit weird.","start":2059.4949,"end":2062.615,"sentiment":"neutral","sentiment_score":-0.3218386496106784},{"text":"So I wasn't sure if I still had you or not.","start":2062.615,"end":2064.535,"sentiment":"neutral","sentiment_score":-0.23065745559605685}],"sentiment":"neutral","sentiment_score":-0.213515837987264,"num_words":27,"start":2058.375,"end":2064.535},{"sentences":[{"text":"Sorry.","start":2064.535,"end":2065.035,"sentiment":"neutral","sentiment_score":-0.2215399593114853},{"text":"No.","start":2068.96,"end":2069.46,"sentiment":"neutral","sentiment_score":-0.2371411919593811},{"text":"No.","start":2069.76,"end":2070.0,"sentiment":"neutral","sentiment_score":-0.218903049826622},{"text":"No.","start":2070.0,"end":2070.16,"sentiment":"neutral","sentiment_score":-0.2420956939458847},{"text":"My phone did, like, a weird clicking sound, and I wasn't sure if I lost you or not.","start":2070.16,"end":2075.14,"sentiment":"neutral","sentiment_score":-0.3106427763899167}],"sentiment":"neutral","sentiment_score":-0.2959659031846307,"num_words":22,"start":2064.535,"end":2075.14},{"sentences":[{"text":"The policy offers twenty four seven worldwide coverage, not limited to workplace accidents.","start":2082.895,"end":2087.235,"sentiment":"neutral","sentiment_score":0.07910080053485356},{"text":"It covers both death and capital benefits.","start":2087.615,"end":2090.0352,"sentiment":"neutral","sentiment_score":0.09149206749030522},{"text":"It provides a weekly injury payout, a 100% of salary up to 2,500 per week.","start":2090.6199,"end":2095.84,"sentiment":"neutral","sentiment_score":0.12029881378014882},{"text":"The policy we had noted offers a $2,000 benefit.","start":2095.98,"end":2100.4,"sentiment":"neutral","sentiment_score":0.16275991913345125},{"text":"So I'm not sure whether it increases depending on the income at the time of claim, but we've noted essentially what the certificate of currency has on it that we were able to get.","start":2100.46,"end":2111.025,"sentiment":"neutral","sentiment_score":0.11068186854176662}],"sentiment":"neutral","sentiment_score":0.11155461395780246,"num_words":78,"start":2082.895,"end":2111.025},{"sentences":[{"text":"It does have also includes secondary psychiatric impairment coverage of up to 750,000.","start":2112.125,"end":2118.605,"sentiment":"neutral","sentiment_score":0.13200678389806014},{"text":"This is if caused by a physical injury.","start":2118.605,"end":2121.4502,"sentiment":"neutral","sentiment_score":0.06525665102526546},{"text":"It can provide additional benefits to top up work cover or tax claims.","start":2121.99,"end":2126.7302,"sentiment":"neutral","sentiment_score":0.21148629028063554},{"text":"It acts as a primary cover if you're not on work cover or a tax claim.","start":2127.35,"end":2131.61,"sentiment":"neutral","sentiment_score":0.16521449061110616},{"text":"It does not prevent you from claiming under any other policies.","start":2132.555,"end":2135.835,"sentiment":"neutral","sentiment_score":0.18687173114581543}],"sentiment":"neutral","sentiment_score":0.15879482073617762,"num_words":61,"start":2112.125,"end":2135.835},{"sentences":[{"text":"So if you're on this policy, you can also claim from your income protection policies.","start":2135.835,"end":2141.775,"sentiment":"neutral","sentiment_score":0.198506160119238},{"text":"You can have them working in unison as long as the two policies together, you're not claiming over 70% of your income.","start":2141.9148,"end":2150.11,"sentiment":"neutral","sentiment_score":0.053537914783439854},{"text":"Okay?","start":2150.33,"end":2150.83,"sentiment":"neutral","sentiment_score":0.05701052397489548},{"text":"It does have a formal resolution, dispute process if needed, and, essentially, it also it's managed by Decker's injury management team.","start":2152.73,"end":2162.655,"sentiment":"neutral","sentiment_score":0.09315077020298868},{"text":"The disadvantages of retaining this policy are that preexisting medical conditions are not covered.","start":2163.115,"end":2168.575,"sentiment":"neutral","sentiment_score":-0.3049938806465694}],"sentiment":"neutral","sentiment_score":0.02600943693438264,"num_words":73,"start":2135.835,"end":2168.575},{"sentences":[{"text":"It the cover applies automatically to only those 18 to 75 years of age.","start":2169.835,"end":2174.67,"sentiment":"neutral","sentiment_score":-0.06781059397118432},{"text":"Essentially, the policy provides benefits specific to accidents and injury, not general life insurance or standard income protection.","start":2175.0498,"end":2182.65,"sentiment":"neutral","sentiment_score":-0.0003270093972484263},{"text":"So it's not really a life insurance or an income protection policy.","start":2182.65,"end":2186.7249,"sentiment":"neutral","sentiment_score":-0.047260486210385956},{"text":"It's more just an accident benefit in the event of something occurring to you.","start":2187.025,"end":2191.6848,"sentiment":"neutral","sentiment_score":0.044524354328002246},{"text":"It's only it's only applied to employees authorized for bushfire management with current medical fitness and role accreditation.","start":2192.145,"end":2200.3801,"sentiment":"neutral","sentiment_score":0.021894188546058204}],"sentiment":"neutral","sentiment_score":-0.0066437363796132175,"num_words":76,"start":2169.835,"end":2200.3801},{"sentences":[{"text":"So there there any sort of employers that can be covered under this policy.","start":2200.9202,"end":2203.98,"sentiment":"neutral","sentiment_score":-0.007184975647500583},{"text":"There is a $25 excess for things that aren't Medicare included.","start":2204.68,"end":2211.1948,"sentiment":"neutral","sentiment_score":-0.15164281156930057},{"text":"So if you have to go and get additional tests or anything that's not covered by Medicare, there is a $25 excess that is payable for those sorts of things.","start":2211.335,"end":2219.9949,"sentiment":"neutral","sentiment_score":-0.113252205401659},{"text":"But I think they kind of let you know at the time of claim or if there's something that has to be done, how that works for you.","start":2220.4548,"end":2227.28,"sentiment":"neutral","sentiment_score":0.059799275760139735},{"text":"Okay?","start":2227.28,"end":2227.78,"sentiment":"neutral","sentiment_score":0.09109772741794586}],"sentiment":"neutral","sentiment_score":-0.04048511071041936,"num_words":84,"start":2200.9202,"end":2227.78},{"sentences":[{"text":"Perfect.","start":2230.24,"end":2230.74,"sentiment":"positive","sentiment_score":0.4797986447811126},{"text":"So it's actually not a bad policy to keep.","start":2230.8801,"end":2233.36,"sentiment":"positive","sentiment_score":0.35507481462425655},{"text":"It's not a bad policy at all.","start":2233.6,"end":2235.2002,"sentiment":"neutral","sentiment_score":0.32186608229364666},{"text":"And, look, honestly, the best kind of insurances are insurances you don't have to pay for.","start":2235.2002,"end":2239.04,"sentiment":"neutral","sentiment_score":0.29319100081920624},{"text":"So it it just says it provides twenty four seven worldwide coverage.","start":2239.04,"end":2249.175,"sentiment":"neutral","sentiment_score":0.1743182254334291}],"sentiment":"neutral","sentiment_score":0.2824757615725199,"num_words":45,"start":2230.24,"end":2249.175},{"sentences":[{"text":"So if you have an accident, you can contact them 247, and someone will be able to help you with the claim.","start":2249.175,"end":2255.595,"sentiment":"neutral","sentiment_score":0.16469079493121666},{"text":"Yeah.","start":2264.19,"end":2264.51,"sentiment":"neutral","sentiment_score":0.026986803859472275},{"text":"Nice.","start":2264.51,"end":2265.01,"sentiment":"neutral","sentiment_score":0.14357952773571014},{"text":"It didn't tell me any of that on the thing, but, look, I honestly, if you injure yourself, I would give it a go.","start":2265.1501,"end":2274.165,"sentiment":"neutral","sentiment_score":-0.11203967601371308},{"text":"What's the worst I can say?","start":2274.545,"end":2275.925,"sentiment":"neutral","sentiment_score":-0.2611202945311864}],"sentiment":"neutral","sentiment_score":-0.008553892063597836,"num_words":54,"start":2249.175,"end":2275.925},{"sentences":[{"text":"No.","start":2276.065,"end":2276.565,"sentiment":"neutral","sentiment_score":-0.1369897425174713},{"text":"So yeah.","start":2276.865,"end":2280.805,"sentiment":"neutral","sentiment_score":-0.058972543105483055},{"text":"Perfect.","start":2283.4402,"end":2283.9402,"sentiment":"negative","sentiment_score":-0.5662102699279785},{"text":"Perfect.","start":2287.28,"end":2287.78,"sentiment":"neutral","sentiment_score":0.3177616000175476},{"text":"Yeah.","start":2289.9202,"end":2290.32,"sentiment":"neutral","sentiment_score":0.0597456693649292}],"sentiment":"neutral","sentiment_score":-0.07393963821232319,"num_words":6,"start":2276.065,"end":2290.32},{"sentences":[{"text":"Right.","start":2290.32,"end":2290.6401,"sentiment":"neutral","sentiment_score":0.12121963500976562},{"text":"Well, I mean, that's probably gonna tell you if it's possible.","start":2290.6401,"end":2293.28,"sentiment":"neutral","sentiment_score":0.10962036590684544},{"text":"Did they claim successfully on the policy?","start":2293.28,"end":2295.4602,"sentiment":"neutral","sentiment_score":0.2252802848815918},{"text":"Yeah.","start":2304.035,"end":2304.535,"sentiment":"neutral","sentiment_score":-0.06113483756780624},{"text":"Yeah.","start":2305.075,"end":2305.555,"sentiment":"neutral","sentiment_score":-0.04015462100505829}],"sentiment":"neutral","sentiment_score":0.1334626759801592,"num_words":21,"start":2290.32,"end":2305.555},{"sentences":[{"text":"Okay.","start":2305.555,"end":2306.055,"sentiment":"neutral","sentiment_score":-0.024412140250205994},{"text":"Pretty serious.","start":2306.9949,"end":2307.795,"sentiment":"neutral","sentiment_score":-0.09682284668087959},{"text":"Yeah.","start":2307.795,"end":2308.295,"sentiment":"neutral","sentiment_score":-0.06407242268323898},{"text":"No.","start":2308.515,"end":2308.835,"sentiment":"neutral","sentiment_score":-0.24316322803497312},{"text":"Perfect.","start":2308.835,"end":2309.2349,"sentiment":"neutral","sentiment_score":-0.12215729802846909}],"sentiment":"neutral","sentiment_score":-0.10790846372644107,"num_words":6,"start":2305.555,"end":2309.2349},{"sentences":[{"text":"Well yeah.","start":2309.2349,"end":2310.615,"sentiment":"neutral","sentiment_score":-0.09521268680691719},{"text":"You alright?","start":2310.93,"end":2311.67,"sentiment":"neutral","sentiment_score":-0.08185260742902756},{"text":"It does.","start":2321.81,"end":2322.63,"sentiment":"neutral","sentiment_score":0.09647677093744278},{"text":"Yes.","start":2322.69,"end":2323.19,"sentiment":"neutral","sentiment_score":0.12393397092819214},{"text":"So, realistically, if you're hoping to retire around about the age of 50, then we probably won't need to have it any longer than that.","start":2323.4348,"end":2330.7148,"sentiment":"neutral","sentiment_score":0.03558435529470444}],"sentiment":"neutral","sentiment_score":0.026636431459337473,"num_words":32,"start":2309.2349,"end":2330.7148},{"sentences":[{"text":"So we'll just keep reviewing it as long as we need to.","start":2330.7148,"end":2334.4749,"sentiment":"neutral","sentiment_score":0.1362457082917293},{"text":"If there's any ever a point that you don't think you want it anymore and you're comfortable canceling it, absolutely, we can do that.","start":2334.635,"end":2340.82,"sentiment":"neutral","sentiment_score":-0.14060792594682425},{"text":"Alternatively, if you stop working at 50 if the investment works the way we want it to and you're able to start working at, say, 50 or 51 and you're no longer working, the policy will be null and void.","start":2341.2,"end":2351.76,"sentiment":"neutral","sentiment_score":-0.09318019893835298},{"text":"It won't be any point in keeping it because you won't be able to claim on it by being no no longer employed.","start":2351.76,"end":2357.6648,"sentiment":"neutral","sentiment_score":-0.0940847319105397},{"text":"So at least at that point, we'll be able to cancel and roll everything over from Aware then for you as well.","start":2357.885,"end":2363.885,"sentiment":"neutral","sentiment_score":0.03760394860397686}],"sentiment":"neutral","sentiment_score":-0.056227368970347705,"num_words":121,"start":2330.7148,"end":2363.885},{"sentences":[{"text":"Okay?","start":2363.885,"end":2364.385,"sentiment":"neutral","sentiment_score":0.06383376568555832},{"text":"Perfect.","start":2365.82,"end":2366.32,"sentiment":"positive","sentiment_score":0.3945167064666748},{"text":"Yep.","start":2371.02,"end":2371.52,"sentiment":"neutral","sentiment_score":0.08657529950141907},{"text":"Yep.","start":2371.58,"end":2371.9001,"sentiment":"neutral","sentiment_score":0.06892446428537369},{"text":"Yep.","start":2371.9001,"end":2372.22,"sentiment":"neutral","sentiment_score":0.06693361699581146}],"sentiment":"neutral","sentiment_score":0.13615677058696746,"num_words":5,"start":2363.885,"end":2372.22},{"sentences":[{"text":"That's okay.","start":2372.22,"end":2373.04,"sentiment":"neutral","sentiment_score":0.16107594966888428},{"text":"Yeah.","start":2376.3,"end":2376.8,"sentiment":"neutral","sentiment_score":0.12534651160240173},{"text":"Yep.","start":2377.18,"end":2377.68,"sentiment":"neutral","sentiment_score":0.1104023903608322},{"text":"Perfect.","start":2378.7952,"end":2379.2952,"sentiment":"positive","sentiment_score":0.49307769536972046},{"text":"Easy.","start":2379.435,"end":2379.935,"sentiment":"neutral","sentiment_score":0.03618326783180237}],"sentiment":"neutral","sentiment_score":0.18119362741708755,"num_words":6,"start":2372.22,"end":2379.935},{"sentences":[{"text":"If you can scroll down further for me, the next recommendation is around that investment option, and that's on page number 29.","start":2380.635,"end":2388.175,"sentiment":"neutral","sentiment_score":0.05316342277960344},{"text":"Perfect.","start":2393.69,"end":2394.19,"sentiment":"positive","sentiment_score":0.7436294555664062},{"text":"To make it easier, if you actually scroll down to 37, this has got that same fee comparison table.","start":2394.57,"end":2403.29,"sentiment":"positive","sentiment_score":0.3383065077819322},{"text":"I can talk you through the recommendation while you're sort of looking at this to make it easier for you, because sometimes having a visual is a little bit easier than all those pages of writing.","start":2403.29,"end":2413.2751,"sentiment":"neutral","sentiment_score":0.27867955880032647},{"text":"37.","start":2416.455,"end":2417.095,"sentiment":"neutral","sentiment_score":0.027432087808847427}],"sentiment":"neutral","sentiment_score":0.23292334948348092,"num_words":79,"start":2380.635,"end":2417.095},{"sentences":[{"text":"Yeah.","start":2417.095,"end":2417.335,"sentiment":"neutral","sentiment_score":0.07394667714834213},{"text":"You'll have a fee comparison table there.","start":2417.335,"end":2419.835,"sentiment":"neutral","sentiment_score":0.11246466743094581},{"text":"Yeah.","start":2422.84,"end":2423.34,"sentiment":"neutral","sentiment_score":0.1132802963256836},{"text":"Sorta looks like the one you're super had.","start":2423.4001,"end":2425.58,"sentiment":"neutral","sentiment_score":0.11997549887746572},{"text":"So I think go down to 38.","start":2429.08,"end":2430.68,"sentiment":"neutral","sentiment_score":0.01555691845715046}],"sentiment":"neutral","sentiment_score":0.08513258607126772,"num_words":24,"start":2417.095,"end":2430.68},{"sentences":[{"text":"My apologies.","start":2430.68,"end":2431.42,"sentiment":"neutral","sentiment_score":-0.11876369267702104},{"text":"My document has a different page number on it, so you're so sorry.","start":2431.96,"end":2435.02,"sentiment":"neutral","sentiment_score":-0.12480093022951713},{"text":"You're absolutely fine.","start":2441.4548,"end":2442.9949,"sentiment":"neutral","sentiment_score":0.11556038012107213},{"text":"So with this one here, we talked about leaving about 70,000 behind, and you wanted to look at investing about a 160,000 into an investment account so that you could try to hopefully retire a little bit earlier there.","start":2443.375,"end":2455.8699,"sentiment":"neutral","sentiment_score":0.08102864170303711},{"text":"So we have made a recommendation and looked at with Hub twenty four.","start":2456.01,"end":2459.53,"sentiment":"neutral","sentiment_score":0.1460881342108433}],"sentiment":"neutral","sentiment_score":0.050657206188355175,"num_words":70,"start":2430.68,"end":2459.53},{"sentences":[{"text":"So it'll be the with the same provider that your super fund is with.","start":2459.53,"end":2462.41,"sentiment":"neutral","sentiment_score":0.17068662920168468},{"text":"So you can look at your Hub twenty four and see your super and your investment account there in the account there in the one platform to make it easier.","start":2462.41,"end":2468.815,"sentiment":"neutral","sentiment_score":0.20922573357820512},{"text":"We'll start by investing initially a 160,000.","start":2469.435,"end":2473.055,"sentiment":"neutral","sentiment_score":0.13530201464891434},{"text":"Within Hub twenty four, you do have investment fees and administration fees on the investment account as well.","start":2473.515,"end":2479.135,"sentiment":"neutral","sentiment_score":0.14077896045313942},{"text":"We do add an adviser fee to this one for the monitoring of the the account.","start":2479.65,"end":2483.49,"sentiment":"neutral","sentiment_score":0.145880623254925}],"sentiment":"neutral","sentiment_score":0.17037188445820528,"num_words":85,"start":2459.53,"end":2483.49},{"sentences":[{"text":"The investment ongoing service fee is 1.1.","start":2483.49,"end":2486.69,"sentiment":"neutral","sentiment_score":0.1075093075633049},{"text":"So it is lower than super, and that's for us looking after it.","start":2486.69,"end":2490.29,"sentiment":"neutral","sentiment_score":0.18137102516797873},{"text":"So we estimate for the first year to be 1,879.","start":2490.29,"end":2494.23,"sentiment":"neutral","sentiment_score":0.12564632520079613},{"text":"And then regular contributions is of $5,400.","start":2494.405,"end":2498.2651,"sentiment":"neutral","sentiment_score":0.09482161381414958},{"text":"One thing we took did talk about was you were comfortable investing around about $400 on a a monthly basis into the investment on a regular basis to keep it growing, but you were also comfortable with me working at how much you needed to invest in order to meet that goal.","start":2499.0452,"end":2513.68,"sentiment":"neutral","sentiment_score":0.1722486840131191}],"sentiment":"neutral","sentiment_score":0.15716331008445011,"num_words":89,"start":2483.49,"end":2513.68},{"sentences":[{"text":"We need to increase your contributions to $450 on a monthly basis and have it invested to be able to see it grow to the level it needs to for you to be able to take on those retirement goals and retire before the age of 60.","start":2514.1401,"end":2528.375,"sentiment":"neutral","sentiment_score":0.23709956730933898},{"text":"Okay?","start":2528.515,"end":2529.015,"sentiment":"neutral","sentiment_score":0.20478719472885132},{"text":"Yeah.","start":2530.355,"end":2530.855,"sentiment":"neutral","sentiment_score":0.2854906916618347},{"text":"Beautiful.","start":2531.075,"end":2531.575,"sentiment":"neutral","sentiment_score":0.22309771180152893},{"text":"Yeah.","start":2533.555,"end":2533.795,"sentiment":"neutral","sentiment_score":0.23847968876361847}],"sentiment":"neutral","sentiment_score":0.2371673519704856,"num_words":51,"start":2514.1401,"end":2533.795},{"sentences":[{"text":"It's okay.","start":2533.795,"end":2534.435,"sentiment":"positive","sentiment_score":0.3899531364440918},{"text":"So it's starting with a 160,000, and then dollar cost averaging in on a monthly basis, $450 a month into the investment and keeping that growing.","start":2534.435,"end":2543.56,"sentiment":"neutral","sentiment_score":0.2931153172483811},{"text":"We are looking at a growth portfolio.","start":2544.0999,"end":2546.2,"sentiment":"neutral","sentiment_score":0.16200244213853562},{"text":"So if you scroll back there for me, three, to page number 36, you'll see essentially how we'll have these funds invested for you.","start":2546.5,"end":2554.195,"sentiment":"neutral","sentiment_score":0.12641504189620414},{"text":"Very similar to how your your super is invested.","start":2554.495,"end":2558.415,"sentiment":"neutral","sentiment_score":0.18707666960027483}],"sentiment":"neutral","sentiment_score":0.2095966565915767,"num_words":68,"start":2533.795,"end":2558.415},{"sentences":[{"text":"There is a few differences there.","start":2558.415,"end":2560.195,"sentiment":"neutral","sentiment_score":0.028865614905953407},{"text":"So within this investment portfolio, you'll see you still got some beta share cyber security, some India quality ETF, some global health care, some S and P 500, so some US equities.","start":2562.0151,"end":2573.29,"sentiment":"neutral","sentiment_score":0.07337984524201602},{"text":"We've got the Rafi 200.","start":2573.75,"end":2575.59,"sentiment":"neutral","sentiment_score":0.09472499936819076},{"text":"We've also got the beta shares a 200 in there.","start":2575.59,"end":2578.89,"sentiment":"neutral","sentiment_score":0.06583149656653405},{"text":"JPMorgan Global Enhanced Research Equity Fund.","start":2579.385,"end":2582.925,"sentiment":"neutral","sentiment_score":0.14331668863693872}],"sentiment":"neutral","sentiment_score":0.07649472595776542,"num_words":59,"start":2558.415,"end":2582.925},{"sentences":[{"text":"This is essentially giving you access to global diversified investments.","start":2583.065,"end":2587.565,"sentiment":"neutral","sentiment_score":0.2529504641890526},{"text":"Diversification is really good, not just having investments in Australia and The US, but diversifying across the globe.","start":2588.0251,"end":2594.045,"sentiment":"neutral","sentiment_score":0.26692087161872124},{"text":"So some physical gold, so, again, 8% in physical gold in this portfolio.","start":2594.7998,"end":2598.5798,"sentiment":"neutral","sentiment_score":0.12562262839995897},{"text":"The iShares yield plus, which is essentially more of a defective kind of investment, giving you access to high quality cash investments that pay good dividends, and then some core composite bonds in there as well.","start":2598.88,"end":2610.9648,"sentiment":"neutral","sentiment_score":0.10040160899774896},{"text":"So that's essentially where the funds will be split for the 160,000.","start":2611.585,"end":2616.165,"sentiment":"neutral","sentiment_score":0.1432022067407767}],"sentiment":"neutral","sentiment_score":0.16067481915769952,"num_words":89,"start":2583.065,"end":2616.165},{"sentences":[{"text":"And back there on page number 38, this is a growth portfolio.","start":2616.785,"end":2621.045,"sentiment":"neutral","sentiment_score":0.0972821128865083},{"text":"So the same sort of portfolio that your super is invested in currently.","start":2621.185,"end":2625.27,"sentiment":"neutral","sentiment_score":0.15737385360094217},{"text":"And looking at the last three year rolling average, this has averaged about 15.75% on a yearly basis.","start":2625.81,"end":2631.83,"sentiment":"neutral","sentiment_score":0.14489277866151598},{"text":"Okay?","start":2631.97,"end":2632.47,"sentiment":"neutral","sentiment_score":0.1373811960220337},{"text":"Perfect.","start":2633.97,"end":2634.47,"sentiment":"positive","sentiment_score":0.6942141056060791}],"sentiment":"neutral","sentiment_score":0.14784246153301664,"num_words":45,"start":2616.785,"end":2634.47},{"sentences":[{"text":"Now the good thing about this investment is that it is an an investment account unlike Super, so you can increase and add additional amounts to it.","start":2634.885,"end":2642.485,"sentiment":"positive","sentiment_score":0.5010095216609813},{"text":"So if you have some extra money on a monthly or a weekly basis and you wanna add a little bit more in there or increase that from the $4.50, you absolutely can.","start":2642.485,"end":2650.74,"sentiment":"positive","sentiment_score":0.5019597817551006},{"text":"There's no contributions cap.","start":2650.74,"end":2652.92,"sentiment":"neutral","sentiment_score":0.24410666152834892},{"text":"There's no limits on how much you can put into the investment.","start":2653.06,"end":2655.64,"sentiment":"positive","sentiment_score":0.34924448033173877},{"text":"It's essentially there to try and build so that you can retire a bit earlier and draw some income out of the portfolio.","start":2655.94,"end":2661.4,"sentiment":"positive","sentiment_score":0.4554740669934646}],"sentiment":"positive","sentiment_score":0.4619716548859471,"num_words":99,"start":2634.885,"end":2661.4},{"sentences":[{"text":"Okay.","start":2661.78,"end":2662.28,"sentiment":"neutral","sentiment_score":0.0374240018427372},{"text":"Essentially, holding this investment and having it work, as long as it provides and if it was able to get this standard rate of return over the next five to six to ten years, you can see below where, essentially, you could end up.","start":2664.5051,"end":2677.565,"sentiment":"neutral","sentiment_score":0.25849219343879004},{"text":"The 450 the 450 on a week monthly basis.","start":2682.45,"end":2686.8499,"sentiment":"neutral","sentiment_score":0.012974081302268637},{"text":"Sorry?","start":2686.8499,"end":2687.3499,"sentiment":"neutral","sentiment_score":-0.003685308154672384},{"text":"Yep.","start":2690.465,"end":2690.965,"sentiment":"neutral","sentiment_score":0.03967700898647308}],"sentiment":"neutral","sentiment_score":0.20649712403038784,"num_words":56,"start":2661.78,"end":2690.965},{"sentences":[{"text":"Yep.","start":2692.065,"end":2692.565,"sentiment":"neutral","sentiment_score":0.08002210408449173},{"text":"It absolutely does.","start":2693.105,"end":2694.305,"sentiment":"positive","sentiment_score":0.3572825988133748},{"text":"Yeah.","start":2694.305,"end":2694.465,"sentiment":"neutral","sentiment_score":0.10091029107570648},{"text":"It takes the original deposit plus the regular contribution and the growth rate and then subtracts all the fees out of it.","start":2694.465,"end":2701.2852,"sentiment":"neutral","sentiment_score":0.11112424020062793},{"text":"Yep.","start":2702.64,"end":2703.04,"sentiment":"neutral","sentiment_score":0.2725451588630676}],"sentiment":"neutral","sentiment_score":0.1417878083884716,"num_words":28,"start":2692.065,"end":2703.04},{"sentences":[{"text":"Perfect.","start":2703.04,"end":2703.54,"sentiment":"positive","sentiment_score":0.7172183990478516},{"text":"So it is good.","start":2703.8398,"end":2704.88,"sentiment":"positive","sentiment_score":0.7556009739637375},{"text":"We do understand that markets go up and down.","start":2704.88,"end":2706.96,"sentiment":"neutral","sentiment_score":0.04917180662353834},{"text":"There is a bit of volatility there.","start":2706.96,"end":2708.64,"sentiment":"neutral","sentiment_score":-0.10888962128332683},{"text":"So this projected balance could alter somewhat.","start":2708.64,"end":2711.5999,"sentiment":"neutral","sentiment_score":-0.1157406313078744}],"sentiment":"neutral","sentiment_score":0.09320559951343707,"num_words":28,"start":2703.04,"end":2711.5999},{"sentences":[{"text":"What I wanna do with you is obviously catch up and do our regular reviews and see how things are tracking to make sure that you're on track to do this.","start":2711.5999,"end":2718.785,"sentiment":"neutral","sentiment_score":0.16084974259138107},{"text":"There is obviously a risk the markets may not perform the way, say, they have in the past or the way we want them to, and therefore, it might take an extra couple of years before we meet this goal.","start":2718.785,"end":2728.545,"sentiment":"neutral","sentiment_score":-0.17269200161099435},{"text":"But we'll keep looking at it, keep tracking at it, see what we need to do, and also the advice as we are moving forward.","start":2728.545,"end":2734.39,"sentiment":"neutral","sentiment_score":0.18001578241586685},{"text":"Essentially, having a look at things, we did look at the age of 50.","start":2735.25,"end":2739.17,"sentiment":"neutral","sentiment_score":-0.02838530178580965},{"text":"And if you sort of scroll down to the next page for me, you'll see we've got two drawdown tables.","start":2739.17,"end":2743.83,"sentiment":"neutral","sentiment_score":-0.007812128181103617}],"sentiment":"neutral","sentiment_score":0.015580151751279258,"num_words":130,"start":2711.5999,"end":2743.83},{"sentences":[{"text":"We did look at the projected balance at the age of 50, and if you were to stop working what this looks like based on the projected balance and drawing down regular income of $800 on a weekly basis, Your and we're using a conservative rate of return for the for the projection once you've actually retired.","start":2744.775,"end":2767.9802,"sentiment":"neutral","sentiment_score":-0.01669589614724381},{"text":"Because when you stop working, you generally don't wanna take as much risk in the market, so we tend to use a lower, more conservative projected figure for growth in that time frame.","start":2767.9802,"end":2776.865,"sentiment":"neutral","sentiment_score":-0.11469634498159091},{"text":"So you'll see sorry.","start":2776.865,"end":2778.9448,"sentiment":"neutral","sentiment_score":-0.22139978781342506},{"text":"The five year rolling average that is much lower than what it is above in the table above there.","start":2778.9448,"end":2783.505,"sentiment":"negative","sentiment_score":-0.33664418443253163},{"text":"Okay?","start":2783.505,"end":2784.005,"sentiment":"neutral","sentiment_score":-0.08195438981056213}],"sentiment":"neutral","sentiment_score":-0.10614419745673474,"num_words":114,"start":2744.775,"end":2784.005},{"sentences":[{"text":"So if you are if you stop working at the age of 50, if we have this balance here at that time, you'll have admin fees, investment fees, ongoing service fee in the account there, and your regular drawdown on a yearly basis, which works out at $800 on a weekly basis or $41,800 on a yearly basis.","start":2786.05,"end":2804.9749,"sentiment":"neutral","sentiment_score":-0.07091329860147731},{"text":"If you're drawing that down, essentially, between the age of 50 to 55, we can see there how much the balance has has dropped away by.","start":2805.355,"end":2814.73,"sentiment":"neutral","sentiment_score":-0.26834055609427965},{"text":"So it goes from 308 to 156.","start":2814.73,"end":2818.27,"sentiment":"neutral","sentiment_score":-0.2668101170233318},{"text":"And, essentially, by ten years, the balance is completely gone.","start":2818.5698,"end":2821.93,"sentiment":"negative","sentiment_score":-0.5460614264011383},{"text":"The idea is that this investment money, is there to sort of supplement your income and draw down income so you can survive that ten years between 50 to 55.","start":2821.93,"end":2831.2249,"sentiment":"neutral","sentiment_score":-0.14620315755407015}],"sentiment":"neutral","sentiment_score":-0.17407790524529593,"num_words":131,"start":2786.05,"end":2831.2249},{"sentences":[{"text":"This projection doesn't quite get you there.","start":2831.605,"end":2833.765,"sentiment":"negative","sentiment_score":-0.7112119197845459},{"text":"It doesn't quite meet that goal.","start":2833.765,"end":2835.625,"sentiment":"negative","sentiment_score":-0.6361045142014822},{"text":"So in year nine sorry.","start":2836.005,"end":2838.405,"sentiment":"neutral","sentiment_score":-0.1958777755498886},{"text":"You're right?","start":2838.405,"end":2839.145,"sentiment":"neutral","sentiment_score":-0.03665618412196636},{"text":"This is 50 to 55.","start":2842.4202,"end":2844.4402,"sentiment":"neutral","sentiment_score":-0.04434959292411804}],"sentiment":"negative","sentiment_score":-0.4027823893725872,"num_words":25,"start":2831.605,"end":2844.4402},{"sentences":[{"text":"Oh, sorry.","start":2845.06,"end":2845.4602,"sentiment":"neutral","sentiment_score":-0.07071656361222267},{"text":"No.","start":2845.4602,"end":2845.78,"sentiment":"neutral","sentiment_score":-0.16140377521514893},{"text":"Sorry.","start":2845.78,"end":2846.26,"sentiment":"neutral","sentiment_score":-0.14187778532505035},{"text":"50 to 55 for the five years.","start":2846.26,"end":2848.34,"sentiment":"neutral","sentiment_score":-0.08342591460262026},{"text":"The ten year takes you to 60.","start":2848.34,"end":2850.1,"sentiment":"neutral","sentiment_score":-0.05999110585876873}],"sentiment":"neutral","sentiment_score":-0.08047965727746487,"num_words":18,"start":2845.06,"end":2850.1},{"sentences":[{"text":"So it essentially shows the money runs out a little bit before you turn 60 there.","start":2850.1,"end":2855.305,"sentiment":"neutral","sentiment_score":-0.10947970300912857},{"text":"Okay?","start":2855.305,"end":2855.625,"sentiment":"neutral","sentiment_score":-0.0718575194478035},{"text":"Because the negative figure yeah.","start":2855.625,"end":2858.5251,"sentiment":"neutral","sentiment_score":-0.16781179010868072},{"text":"Yeah.","start":2859.385,"end":2859.885,"sentiment":"neutral","sentiment_score":0.0004280656576156616},{"text":"So it really only lasts about nine odd years.","start":2860.425,"end":2863.305,"sentiment":"neutral","sentiment_score":-0.17645971145894793}],"sentiment":"neutral","sentiment_score":-0.13282190798781812,"num_words":32,"start":2850.1,"end":2863.305},{"sentences":[{"text":"You'll have a little bit of residual there, but it's only really lasting about nine years, which is not really what you want.","start":2863.305,"end":2868.845,"sentiment":"neutral","sentiment_score":-0.2647238600513209},{"text":"So the next the next page shows you the different outcome.","start":2869.065,"end":2872.6501,"sentiment":"neutral","sentiment_score":-0.01753031479364092},{"text":"If you're able to hold off to age 51, so long as the markets work the way they want them we want them to, and we end up with this projected outcome or close to with the admin fees, investment fees, ongoing service fee there, and drawing down the same $800 on a weekly basis using that conservative projection growth rate whilst you are drawing down, the funds last a little bit longer there for you.","start":2873.11,"end":2898.9302,"sentiment":"neutral","sentiment_score":-0.03933192524862917},{"text":"So you can see 50 to 51 to 56, you end up roughly about 209,000 after drawing down and eating away some of it.","start":2898.9302,"end":2908.485,"sentiment":"neutral","sentiment_score":-0.23627793012807766},{"text":"And then at nine years, this takes you to the age of 60, and there's still a little bit of residual balance there for you as well.","start":2908.725,"end":2914.885,"sentiment":"neutral","sentiment_score":-0.042861675636635885}],"sentiment":"neutral","sentiment_score":-0.09999157843521293,"num_words":161,"start":2863.305,"end":2914.885},{"sentences":[{"text":"So it does look like projected forward.","start":2914.885,"end":2917.385,"sentiment":"neutral","sentiment_score":0.13566439532275712},{"text":"We would need you to wait to age 51 before you access those funds and actually stop working.","start":2918.165,"end":2923.7852,"sentiment":"neutral","sentiment_score":-0.21729927510023117},{"text":"However, this is utilizing past performance, and we know markets are volatile.","start":2924.88,"end":2929.54,"sentiment":"neutral","sentiment_score":-0.05387518120308717},{"text":"So we will check this every year.","start":2929.68,"end":2931.52,"sentiment":"neutral","sentiment_score":0.07604195816176278},{"text":"We'll talk about what's happening.","start":2931.52,"end":2932.88,"sentiment":"neutral","sentiment_score":0.2576706498861313}],"sentiment":"neutral","sentiment_score":-0.036481457192222684,"num_words":49,"start":2914.885,"end":2932.88},{"sentences":[{"text":"We'll look at what your goals are and keep trying to sort of project things at to see where we're tracking, where we're heading.","start":2932.88,"end":2938.48,"sentiment":"neutral","sentiment_score":0.2970117721706629},{"text":"And when you get closer to that fifty fifty one, we can actually sort of have a look at what we're what we're sitting on and how that's gonna look for you and how it's gonna work.","start":2938.48,"end":2947.675,"sentiment":"positive","sentiment_score":0.3412420467750446},{"text":"Does that make sense?","start":2947.675,"end":2948.7349,"sentiment":"neutral","sentiment_score":0.21190761029720306},{"text":"Yep.","start":2949.9949,"end":2950.475,"sentiment":"positive","sentiment_score":0.3817501962184906},{"text":"Perfect.","start":2950.475,"end":2950.975,"sentiment":"positive","sentiment_score":0.694622278213501}],"sentiment":"neutral","sentiment_score":0.32355583848348307,"num_words":67,"start":2932.88,"end":2950.975},{"sentences":[{"text":"Do you have any questions about that?","start":2952.03,"end":2953.71,"sentiment":"positive","sentiment_score":0.3945063991206033},{"text":"I know it's a lot.","start":2953.71,"end":2954.51,"sentiment":"neutral","sentiment_score":0.0253532737493515},{"text":"I'm sorry.","start":2954.51,"end":2954.99,"sentiment":"neutral","sentiment_score":-0.10416574776172638},{"text":"I tried to sort of slow it down a bit for you.","start":2954.99,"end":2957.23,"sentiment":"neutral","sentiment_score":-0.06499266686538856},{"text":"But is there any questions you wanted to ask?","start":2957.23,"end":2959.1501,"sentiment":"neutral","sentiment_score":0.11382709609137641}],"sentiment":"neutral","sentiment_score":0.08355747227157866,"num_words":35,"start":2952.03,"end":2959.1501},{"sentences":[{"text":"Does that all make sense so far?","start":2959.1501,"end":2960.6702,"sentiment":"neutral","sentiment_score":0.16629586262362345},{"text":"What are your thoughts and feelings?","start":2960.6702,"end":2962.1301,"sentiment":"neutral","sentiment_score":0.03514344245195389},{"text":"There is.","start":2970.045,"end":2970.865,"sentiment":"neutral","sentiment_score":0.011183559894561768},{"text":"Yes.","start":2971.165,"end":2971.665,"sentiment":"neutral","sentiment_score":0.2176499366760254},{"text":"Absolutely.","start":2971.9648,"end":2972.4648,"sentiment":"positive","sentiment_score":0.3755761981010437}],"sentiment":"neutral","sentiment_score":0.11708970280254588,"num_words":17,"start":2959.1501,"end":2972.4648},{"sentences":[{"text":"Absolutely.","start":2972.845,"end":2973.345,"sentiment":"positive","sentiment_score":0.3951267600059509},{"text":"Yep.","start":2974.2048,"end":2974.7048,"sentiment":"neutral","sentiment_score":0.18075677752494812},{"text":"No.","start":2978.78,"end":2979.1,"sentiment":"neutral","sentiment_score":-0.16509220004081726},{"text":"There are there are a lot of uncertainties with the market, but that's the most important part is that we review things on a regular basis.","start":2979.1,"end":2986.8,"sentiment":"neutral","sentiment_score":-0.04568288400052832},{"text":"So, you know, having the money invested and building towards your retirement or building towards the option of being able to stop work earlier is still better than not.","start":2986.86,"end":2995.315,"sentiment":"neutral","sentiment_score":0.20929424927152437}],"sentiment":"neutral","sentiment_score":0.09125119969569917,"num_words":58,"start":2972.845,"end":2995.315},{"sentences":[{"text":"And if we get to, you know, closer to and we find, hey, it might not work the way we've been hoping.","start":2995.315,"end":3001.155,"sentiment":"neutral","sentiment_score":-0.3264249068769542},{"text":"We might have to hold off for another year or two.","start":3001.155,"end":3003.235,"sentiment":"negative","sentiment_score":-0.4461449222131209},{"text":"You've still got that extra couple of years up your sleeve because you did sort of note that you were comfortable working to 55 if you had to or even just dropping back a few days a week and we look at partial.","start":3003.235,"end":3012.8599,"sentiment":"neutral","sentiment_score":0.11150241634526918},{"text":"So there are other things that we can do.","start":3012.8599,"end":3015.2,"sentiment":"neutral","sentiment_score":0.06811184932788213},{"text":"I personally, you know, don't see an issue with where we're tracking.","start":3015.8198,"end":3020.0,"sentiment":"negative","sentiment_score":-0.3907919687529405}],"sentiment":"neutral","sentiment_score":-0.11722510488531024,"num_words":97,"start":2995.315,"end":3020.0},{"sentences":[{"text":"When you sort of look at that, if you look at the contribution over the next sort of because they're looking at the next sort of five years five to six years, if we're putting $450 into the investment on a monthly basis, That's $5,400 there.","start":3021.0352,"end":3039.03,"sentiment":"neutral","sentiment_score":0.04467097673889087},{"text":"For a year over six years, there's an extra 32,400 plus a 160,000.","start":3039.41,"end":3045.01,"sentiment":"neutral","sentiment_score":0.14803352665442687},{"text":"That gives you a 192.","start":3045.01,"end":3046.95,"sentiment":"neutral","sentiment_score":0.16108551621437073},{"text":"Getting a 5% return on a 192,000 gives you about 9,600.","start":3047.33,"end":3053.085,"sentiment":"positive","sentiment_score":0.45999783277511597},{"text":"So compounding that over time means you are likely to build growth even at a conservative rate of return, and we just wanna make sure we're checking to see how things are going.","start":3053.085,"end":3063.4248,"sentiment":"positive","sentiment_score":0.39860229826334753}],"sentiment":"neutral","sentiment_score":0.21294981815541783,"num_words":108,"start":3021.0352,"end":3063.4248},{"sentences":[{"text":"Putting the regular amount in on a monthly basis for dollar cost averaging in is really good for risk mitigation as well because you're buying into the investments regardless of the price, whether they're up or down.","start":3063.73,"end":3074.6902,"sentiment":"positive","sentiment_score":0.4386892252274462},{"text":"So when the market is down, you're getting into the market at a a down point where there's a discount in the investment prices, and that can provide a greater level of growth in return as the market comes back and provides recovery.","start":3074.6902,"end":3087.2852,"sentiment":"neutral","sentiment_score":0.2585860144260318},{"text":"When you put that same amount of money in and the market's up, the prices are higher, you buy less units of the investment.","start":3087.905,"end":3093.365,"sentiment":"neutral","sentiment_score":0.2964325671394666},{"text":"So it's really good to be dollar cost averaging.","start":3094.1301,"end":3096.77,"sentiment":"positive","sentiment_score":0.5903941690921783},{"text":"It spreads your risk level.","start":3096.77,"end":3098.31,"sentiment":"positive","sentiment_score":0.48957610726356504}],"sentiment":"positive","sentiment_score":0.35785177646804667,"num_words":118,"start":3063.73,"end":3098.31},{"sentences":[{"text":"It helps to improve growth over time, but you're putting money into the market regardless of, you know, what the cost is and helping to average out your returns over the time as well.","start":3098.61,"end":3108.45,"sentiment":"positive","sentiment_score":0.4685696056660484},{"text":"So there's definitely a benefit to being in the market rather than not, and giving this a go is getting you closer to your goal than sitting in the cash account there.","start":3108.45,"end":3117.425,"sentiment":"positive","sentiment_score":0.6244854787364602},{"text":"So yeah.","start":3117.425,"end":3118.735,"sentiment":"neutral","sentiment_score":0.18989965319633484},{"text":"Does that make sense?","start":3121.2,"end":3132.9275,"sentiment":"neutral","sentiment_score":0.10516221262514591},{"text":"Yep.","start":3132.9275,"end":3132.975,"sentiment":"neutral","sentiment_score":0.036184921860694885}],"sentiment":"positive","sentiment_score":0.5034456848077578,"num_words":73,"start":3098.61,"end":3132.975},{"sentences":[{"text":"We can do that however you like.","start":3146.51,"end":3148.27,"sentiment":"neutral","sentiment_score":0.13104037301880972},{"text":"We can do it as a weekly, fortnightly, monthly amount, however you're comfortable with.","start":3148.27,"end":3153.33,"sentiment":"neutral","sentiment_score":0.19645907783082553},{"text":"Generally, taking smaller amounts of money out is easier because you keep more money invested.","start":3153.47,"end":3158.75,"sentiment":"positive","sentiment_score":0.4795299311478933},{"text":"You can do it as a lump sum once off every year or half year, but it does work out better just to draw a weekly or fortnightly income out in smaller amounts.","start":3158.75,"end":3168.365,"sentiment":"positive","sentiment_score":0.37027957945158985},{"text":"That way, you keep most of your money invested, and that way, you can obtain greater growth when the markets are performing better.","start":3168.905,"end":3175.485,"sentiment":"positive","sentiment_score":0.65941700209742}],"sentiment":"positive","sentiment_score":0.4157225634578777,"num_words":92,"start":3146.51,"end":3175.485},{"sentences":[{"text":"Yeah.","start":3178.78,"end":3179.28,"sentiment":"neutral","sentiment_score":0.14852839708328247},{"text":"Perfect.","start":3181.02,"end":3181.52,"sentiment":"positive","sentiment_score":0.5718246698379517},{"text":"Absolutely.","start":3193.855,"end":3194.355,"sentiment":"neutral","sentiment_score":0.15540605783462524},{"text":"Mhmm.","start":3202.07,"end":3202.57,"sentiment":"neutral","sentiment_score":-0.02414604648947716},{"text":"It is.","start":3203.03,"end":3203.59,"sentiment":"neutral","sentiment_score":0.12231288477778435}],"sentiment":"neutral","sentiment_score":0.18270647463699183,"num_words":6,"start":3178.78,"end":3203.59},{"sentences":[{"text":"It is.","start":3203.59,"end":3204.07,"sentiment":"neutral","sentiment_score":0.10064780712127686},{"text":"Yeah.","start":3204.07,"end":3204.55,"sentiment":"neutral","sentiment_score":0.04549273103475571},{"text":"So the one thing to remember with the benefit of putting it into the investment account is the money is working harder.","start":3204.55,"end":3210.33,"sentiment":"neutral","sentiment_score":-0.0025150897828015413},{"text":"Over the longer term, you know, depending on the regardless of what the markets do, whenever you look at investment time frames over ten, twenty, or thirty years, the markets are always up.","start":3210.55,"end":3220.8152,"sentiment":"neutral","sentiment_score":-0.015524538431429502},{"text":"Over the longer term, you tend to be up and providing better growth and compounding effect, which is works better than having it sitting in a cash account because inflation tends to either way the buying capacity, and often bank accounts don't give you enough interest to meet inflation.","start":3220.8152,"end":3236.21,"sentiment":"neutral","sentiment_score":0.07038583287170955}],"sentiment":"neutral","sentiment_score":0.02923413469656327,"num_words":107,"start":3203.59,"end":3236.21},{"sentences":[{"text":"So there are risks also with the cash account there.","start":3236.43,"end":3239.3298,"sentiment":"neutral","sentiment_score":-0.20519075244665147},{"text":"But the other thing to sort of remember is when you are investing money, you are investing in your own name.","start":3239.47,"end":3244.335,"sentiment":"neutral","sentiment_score":0.03636552233781133},{"text":"So as we are putting money into this investment over time, every year you'll get a tax statement.","start":3244.575,"end":3250.175,"sentiment":"neutral","sentiment_score":0.07187115338941415},{"text":"It'll outline the income and the CDT within the fund, and that will need to be added to your personal tax return.","start":3250.175,"end":3256.75,"sentiment":"neutral","sentiment_score":0.0539772974496538},{"text":"So it can increase the amount of tax you are paying as we are building that one.","start":3256.75,"end":3262.37,"sentiment":"neutral","sentiment_score":-0.033377624609891104}],"sentiment":"neutral","sentiment_score":0.007108296945013783,"num_words":88,"start":3236.43,"end":3262.37},{"sentences":[{"text":"But when you stop working and start your income out, again, the income you receive is taxable.","start":3262.59,"end":3268.6902,"sentiment":"neutral","sentiment_score":-0.19274198877460816},{"text":"We will not you'll need to account for that when you see your tax agent, but you'll be drawing less out.","start":3268.75,"end":3275.0852,"sentiment":"neutral","sentiment_score":0.012826147001414072},{"text":"So, you know, the tax free threshold is 18,200.","start":3275.0852,"end":3279.0251,"sentiment":"neutral","sentiment_score":0.10197545753584968},{"text":"Drawing $800 on a weekly basis is 41,800 there, so you are lowering your taxable income.","start":3279.0852,"end":3287.75,"sentiment":"neutral","sentiment_score":0.15334362722933292},{"text":"So you should pay less tax, but it is still tax.","start":3288.1301,"end":3291.59,"sentiment":"neutral","sentiment_score":0.030063328079201958}],"sentiment":"neutral","sentiment_score":0.009387960003034488,"num_words":74,"start":3262.59,"end":3291.59},{"sentences":[{"text":"Yeah.","start":3291.73,"end":3292.23,"sentiment":"neutral","sentiment_score":0.0624336376786232},{"text":"Yeah.","start":3292.69,"end":3293.19,"sentiment":"neutral","sentiment_score":0.10831867158412932},{"text":"Yeah.","start":3294.93,"end":3295.43,"sentiment":"neutral","sentiment_score":0.07126384973526001},{"text":"Mhmm.","start":3309.505,"end":3310.005,"sentiment":"neutral","sentiment_score":-0.07268543541431427},{"text":"Yep.","start":3321.6,"end":3322.0,"sentiment":"neutral","sentiment_score":0.0025531749706715345}],"sentiment":"neutral","sentiment_score":0.03437677971087396,"num_words":5,"start":3291.73,"end":3322.0},{"sentences":[{"text":"The tax free threshold?","start":3322.0,"end":3323.3801,"sentiment":"neutral","sentiment_score":-0.00661504315212369},{"text":"Yes.","start":3331.945,"end":3332.445,"sentiment":"neutral","sentiment_score":0.02421099692583084},{"text":"Yeah.","start":3332.7449,"end":3333.2449,"sentiment":"neutral","sentiment_score":0.015323007479310036},{"text":"Right.","start":3338.36,"end":3338.86,"sentiment":"neutral","sentiment_score":0.009505187161266804},{"text":"Yeah.","start":3339.4802,"end":3339.8801,"sentiment":"neutral","sentiment_score":0.00684779230505228}],"sentiment":"neutral","sentiment_score":0.0036783514078706503,"num_words":8,"start":3322.0,"end":3339.8801},{"sentences":[{"text":"The the the gold.","start":3339.8801,"end":3341.34,"sentiment":"neutral","sentiment_score":-0.009018731070682406},{"text":"Yeah.","start":3341.4802,"end":3341.9802,"sentiment":"neutral","sentiment_score":0.003223520703613758},{"text":"Yeah.","start":3342.52,"end":3343.02,"sentiment":"neutral","sentiment_score":0.004905621521174908},{"text":"Makes yeah.","start":3344.6802,"end":3347.82,"sentiment":"neutral","sentiment_score":0.0332532124593854},{"text":"That's okay.","start":3349.335,"end":3350.055,"sentiment":"neutral","sentiment_score":0.2727760076522827}],"sentiment":"neutral","sentiment_score":0.05841126581653953,"num_words":10,"start":3339.8801,"end":3350.055},{"sentences":[{"text":"That's not a problem at all.","start":3350.055,"end":3351.595,"sentiment":"neutral","sentiment_score":0.2097005844116211},{"text":"So that's essentially with the investment side of things.","start":3352.055,"end":3354.215,"sentiment":"neutral","sentiment_score":0.2146542486217287},{"text":"You're welcome to take it away, have a really good read of it.","start":3354.215,"end":3357.115,"sentiment":"positive","sentiment_score":0.38881440689930546},{"text":"Take it in and ask me any questions that you might definitely have.","start":3357.255,"end":3360.39,"sentiment":"positive","sentiment_score":0.3367611731474216},{"text":"I know our last advice case we provided was on investment.","start":3360.8699,"end":3363.5898,"sentiment":"neutral","sentiment_score":0.06089520623738116}],"sentiment":"neutral","sentiment_score":0.25562349140930635,"num_words":52,"start":3350.055,"end":3363.5898},{"sentences":[{"text":"You weren't really in the right space to maybe look at that, so this is a little bit different.","start":3363.5898,"end":3367.6099,"sentiment":"neutral","sentiment_score":-0.009118527124978994},{"text":"But we are also working towards a goal with this one.","start":3367.91,"end":3370.5498,"sentiment":"neutral","sentiment_score":0.2231076955795288},{"text":"So, again, any advice we do provide is up to you to decide whether you're comfortable taking or not.","start":3370.5498,"end":3377.045,"sentiment":"neutral","sentiment_score":0.2098721591265578},{"text":"I've just done the math to work out the best way to be able to to try and achieve that, and then we work forward with you to keep looking at it, seeing how it's growing, and keep working towards that goal.","start":3377.185,"end":3389.665,"sentiment":"positive","sentiment_score":0.4531102010181972},{"text":"Okay?","start":3389.665,"end":3390.165,"sentiment":"neutral","sentiment_score":0.10126353800296783}],"sentiment":"neutral","sentiment_score":0.276091256958392,"num_words":92,"start":3363.5898,"end":3390.165},{"sentences":[{"text":"Perfect.","start":3391.99,"end":3392.49,"sentiment":"positive","sentiment_score":0.5851559638977051},{"text":"Now the next recommendation, if you keep scrolling down there for me, is the land.","start":3393.19,"end":3397.0298,"sentiment":"neutral","sentiment_score":0.057098634789387384},{"text":"One of the things one of the questions you had was about whether you sell that land or not.","start":3397.0298,"end":3401.5298,"sentiment":"neutral","sentiment_score":-0.018613953045324275},{"text":"I'm saying no.","start":3402.3098,"end":3403.45,"sentiment":"neutral","sentiment_score":-0.11065165201822917},{"text":"So one of the main reasons is that it could be harder to sell.","start":3403.5098,"end":3407.7551,"sentiment":"neutral","sentiment_score":-0.2246290243097714}],"sentiment":"neutral","sentiment_score":-0.04593828689450255,"num_words":52,"start":3391.99,"end":3407.7551},{"sentences":[{"text":"Property and land is not liquid, so it can take time to sell.","start":3408.135,"end":3411.915,"sentiment":"neutral","sentiment_score":-0.26293323934078217},{"text":"And, realistically, when I kind of worked out, I've done an estimated of the CGT based on the information we have.","start":3412.2952,"end":3419.0352,"sentiment":"neutral","sentiment_score":-0.06411216727324895},{"text":"It could be different.","start":3419.175,"end":3420.3152,"sentiment":"neutral","sentiment_score":-0.10825840570032597},{"text":"The expected total CGT could be definitely different, and this is not what you would have to pay.","start":3420.455,"end":3425.6199,"sentiment":"neutral","sentiment_score":-0.19875707725683847},{"text":"This is just the CGT from the sale of the land.","start":3425.6199,"end":3428.5198,"sentiment":"neutral","sentiment_score":-0.1536681895906275}],"sentiment":"neutral","sentiment_score":-0.15620147347895066,"num_words":67,"start":3408.135,"end":3428.5198},{"sentences":[{"text":"It doesn't sort of work out in your benefit to sell it now.","start":3429.14,"end":3432.2,"sentiment":"neutral","sentiment_score":-0.20651085101641142},{"text":"As much as it's more money you could have then put into the investment growing, If you're selling this property, you've got the CGT consequences.","start":3432.74,"end":3440.875,"sentiment":"neutral","sentiment_score":-0.23500348508358002},{"text":"You might miss out on future growth that it can increase the amount of tax you are paying.","start":3441.335,"end":3445.675,"sentiment":"negative","sentiment_score":-0.46983252796861863},{"text":"It could take, you know, weeks, years, months to sell depending on the market, and you might have to reduce the amount.","start":3446.215,"end":3452.98,"sentiment":"neutral","sentiment_score":-0.2812865593216636},{"text":"You might not get what you're after.","start":3452.98,"end":3454.5999,"sentiment":"negative","sentiment_score":-0.3882542593138559}],"sentiment":"neutral","sentiment_score":-0.30497409192954794,"num_words":85,"start":3429.14,"end":3454.5999},{"sentences":[{"text":"So I've decided it's not worth selling that now.","start":3455.7,"end":3458.42,"sentiment":"negative","sentiment_score":-0.44097792108853656},{"text":"It is better to hold it.","start":3458.42,"end":3460.0398,"sentiment":"neutral","sentiment_score":-0.21783349787195525},{"text":"If you hold it till after retirement, then, you know, you'll be on more of a lower tax rate, so selling it could have less of a tax consequence for you.","start":3460.42,"end":3469.645,"sentiment":"neutral","sentiment_score":0.03374524210249224},{"text":"So I have recommended to keep hold of that for the time being.","start":3469.645,"end":3474.685,"sentiment":"neutral","sentiment_score":0.12712881370232657},{"text":"Okay?","start":3474.685,"end":3475.185,"sentiment":"neutral","sentiment_score":0.0735580325126648}],"sentiment":"neutral","sentiment_score":-0.04172445268680652,"num_words":60,"start":3455.7,"end":3475.185},{"sentences":[{"text":"Perfect.","start":3478.6199,"end":3479.1199,"sentiment":"positive","sentiment_score":0.4834722876548767},{"text":"Perfect.","start":3479.5798,"end":3480.0798,"sentiment":"positive","sentiment_score":0.49252158403396606},{"text":"You do have your advantages, disadvantages, and risks involved.","start":3480.7,"end":3483.76,"sentiment":"neutral","sentiment_score":0.038602552066246666},{"text":"The main one thing there that by keeping a hold of the land, there is it could sustain additional growth moving forward, meaning that you could sell it for more when you get down the track.","start":3484.2998,"end":3494.975,"sentiment":"neutral","sentiment_score":0.143564741851555},{"text":"Another conversation we had was that you were possibly looking to hold it to maybe pass down to your daughter and or sell in retirement.","start":3495.5151,"end":3502.095,"sentiment":"neutral","sentiment_score":-0.005026411861181259}],"sentiment":"neutral","sentiment_score":0.08841787847793764,"num_words":72,"start":3478.6199,"end":3502.095},{"sentences":[{"text":"You have those options by holding on to it.","start":3502.235,"end":3504.575,"sentiment":"neutral","sentiment_score":0.03680645550290743},{"text":"It's there's no guarantees that the land will grow in value.","start":3505.675,"end":3509.9001,"sentiment":"neutral","sentiment_score":-0.049394342709671364},{"text":"The disadvantages are that you still have to pay your rates and, yeah, and state taxes on that as moving forward, so that is a disadvantage to keeping it.","start":3510.76,"end":3520.005,"sentiment":"neutral","sentiment_score":-0.30138580192779674},{"text":"Capital tied up, if you do have to sell it down the track, it is it can be harder to sell if you need the money quickly.","start":3520.7249,"end":3526.9849,"sentiment":"neutral","sentiment_score":-0.2538213677428387},{"text":"And that's the other thing with, you know, the advantage there is that the land is hard to sell sometimes.","start":3527.2048,"end":3533.1448,"sentiment":"neutral","sentiment_score":0.058258958905935285}],"sentiment":"neutral","sentiment_score":-0.1525027674700444,"num_words":96,"start":3502.235,"end":3533.1448},{"sentences":[{"text":"It's not always liquid.","start":3533.285,"end":3534.6448,"sentiment":"neutral","sentiment_score":-0.10721255745738745},{"text":"If you need money fast, it can be difficult to sell.","start":3534.6448,"end":3537.84,"sentiment":"neutral","sentiment_score":-0.11318515850739046},{"text":"But at the same time, depending on, you know, where it is and the market within that area, it could see some substantial growth in the future, and, you know, you might be able to sell it some more down the track and get a greater benefit out of that.","start":3538.22,"end":3551.295,"sentiment":"positive","sentiment_score":0.50208432585001},{"text":"Okay?","start":3551.535,"end":3552.035,"sentiment":"neutral","sentiment_score":0.18592698872089383},{"text":"Yep.","start":3553.535,"end":3554.035,"sentiment":"neutral","sentiment_score":0.1691099852323532}],"sentiment":"positive","sentiment_score":0.35500546706034175,"num_words":67,"start":3533.285,"end":3554.035},{"sentences":[{"text":"Mhmm.","start":3574.75,"end":3575.1501,"sentiment":"neutral","sentiment_score":-0.015553385019302368},{"text":"It would have a bigger impact.","start":3575.1501,"end":3576.9302,"sentiment":"neutral","sentiment_score":-0.07920000702142715},{"text":"You would need to make sure you cover the tax first.","start":3577.805,"end":3580.625,"sentiment":"neutral","sentiment_score":-0.23874501477588306},{"text":"So if you were able to sell that for a 100,000, we've got estimated CDT of 37,000.","start":3580.765,"end":3587.265,"sentiment":"neutral","sentiment_score":0.07002505944932208},{"text":"That CDT is then added to your income for the year, which can increase the tax side of things.","start":3587.4849,"end":3593.0698,"sentiment":"neutral","sentiment_score":0.09921322802179738}],"sentiment":"neutral","sentiment_score":-0.0007679860487028402,"num_words":54,"start":3574.75,"end":3593.0698},{"sentences":[{"text":"I did we did do a little bit of math, and, I mean, it depends on the other deductions, and there's so many other factors with regards to that.","start":3593.45,"end":3599.69,"sentiment":"neutral","sentiment_score":0.08460113162110591},{"text":"But at your marginal tax rate, the CGT bill is a or the income tax is roughly a bit over 11,000 that you would have to pay on that.","start":3599.69,"end":3609.675,"sentiment":"neutral","sentiment_score":0.17006313261286965},{"text":"So you would be you know, have about 11,000 less out of it.","start":3610.455,"end":3614.535,"sentiment":"positive","sentiment_score":0.41299538199718183},{"text":"It would make it definitely an impact, and having invested in the portfolio would be good.","start":3614.535,"end":3620.795,"sentiment":"positive","sentiment_score":0.6439018752425909},{"text":"But I don't see my main concern is the amount of tax that you may have to pay for that.","start":3622.05,"end":3628.31,"sentiment":"negative","sentiment_score":-0.5531628064811229}],"sentiment":"neutral","sentiment_score":0.11208764021502476,"num_words":107,"start":3593.45,"end":3628.31},{"sentences":[{"text":"The amount of tax may not be worth you selling it.","start":3628.61,"end":3631.4302,"sentiment":"negative","sentiment_score":-0.6964514472267844},{"text":"And holding this a little bit longer, generally, sort of keeping investments in land and things like that.","start":3632.4502,"end":3638.555,"sentiment":"negative","sentiment_score":-0.36237913825445706},{"text":"If you don't have to sell them, we generally try not to because you do end up with higher tax bills, and it can cause a bit of trouble, increases your income, and there's other consequences that can come of that.","start":3638.555,"end":3651.51,"sentiment":"negative","sentiment_score":-0.35949299920622896},{"text":"So if you chose to sell it, absolutely, you could definitely put the money into there.","start":3651.51,"end":3656.4702,"sentiment":"positive","sentiment_score":0.5172430798411369},{"text":"It's just my main concern was adding the increase of tax bill to your current income tax and increasing your income estimates.","start":3656.4702,"end":3665.165,"sentiment":"neutral","sentiment_score":-0.189507434991273}],"sentiment":"neutral","sentiment_score":-0.2297803487766672,"num_words":108,"start":3628.61,"end":3665.165},{"sentences":[{"text":"And then if you've got an investment portfolio on top of that, you're paying CGT and income tax from the investment portfolio.","start":3665.225,"end":3671.725,"sentiment":"neutral","sentiment_score":-0.17848942496559836},{"text":"It can increase your tax bill pretty high.","start":3672.185,"end":3674.5251,"sentiment":"negative","sentiment_score":-0.39268703386187553},{"text":"So I kind of, yeah, kind of didn't wanna put that on you.","start":3674.5852,"end":3681.78,"sentiment":"neutral","sentiment_score":-0.14833439112855837},{"text":"Plus, if you put it up for sale and it doesn't sell quickly, you know, you might still have to reduce the sale cost or sell it at a loss or something like that.","start":3682.32,"end":3692.225,"sentiment":"neutral","sentiment_score":-0.15136245068381815},{"text":"So it's it's sort of better just to hold on for the for the time being.","start":3692.225,"end":3695.985,"sentiment":"neutral","sentiment_score":0.059667053865268826}],"sentiment":"neutral","sentiment_score":-0.1418092598517736,"num_words":93,"start":3665.225,"end":3695.985},{"sentences":[{"text":"And then later down the track, maybe in retirement, if not beforehand, if you don't need to beforehand, then we could maybe look at selling it and seeing what kind of gain you can get for that and how that can benefit you down the track.","start":3695.985,"end":3706.92,"sentiment":"neutral","sentiment_score":0.23110678306092386},{"text":"Yeah.","start":3711.0598,"end":3711.5598,"sentiment":"neutral","sentiment_score":0.03038044460117817},{"text":"Yeah.","start":3715.7952,"end":3716.2952,"sentiment":"neutral","sentiment_score":-0.06688567996025085},{"text":"Yeah.","start":3719.5952,"end":3720.0952,"sentiment":"neutral","sentiment_score":-0.1084304302930832},{"text":"Yeah.","start":3723.395,"end":3723.895,"sentiment":"neutral","sentiment_score":0.22675460577011108}],"sentiment":"neutral","sentiment_score":0.21425461921840905,"num_words":50,"start":3695.985,"end":3723.895},{"sentences":[{"text":"Perfect.","start":3724.435,"end":3724.935,"sentiment":"positive","sentiment_score":0.405021071434021},{"text":"Realistically, I wouldn't sorta say sell it unless you really have to.","start":3725.875,"end":3729.04,"sentiment":"neutral","sentiment_score":0.016197390543917816},{"text":"If you kinda get to the point where you're you're done with it, you don't really want it anymore, you absolutely can.","start":3729.04,"end":3734.0999,"sentiment":"neutral","sentiment_score":0.03976641790094701},{"text":"Just be mindful of the CDT consequences because as much as, you know, you're renting, this is your only sort of property, I couldn't find a way to make it to give it the tax exemption under the main primary residence scenario there.","start":3734.48,"end":3748.285,"sentiment":"neutral","sentiment_score":-0.20628922155430152},{"text":"So and if you're gonna get an incur increase to your income soon, the amount of income tax you pay goes higher than having investment income as well.","start":3748.285,"end":3756.4648,"sentiment":"neutral","sentiment_score":-0.2577882204204798}],"sentiment":"neutral","sentiment_score":-0.13787033723421255,"num_words":106,"start":3724.435,"end":3756.4648},{"sentences":[{"text":"So, you know, income that's generated from the investment portfolio plus CDE to account for, but then the sale of this, it could be it could push your tax bill pretty high, and we would not want that in any way, shape, or form.","start":3757.0,"end":3768.36,"sentiment":"neutral","sentiment_score":-0.2691459734077481},{"text":"That could have more of a negative impact on your cash flow.","start":3768.36,"end":3771.32,"sentiment":"negative","sentiment_score":-0.4613964582482974},{"text":"So yep.","start":3771.32,"end":3774.595,"sentiment":"neutral","sentiment_score":-0.08633493073284626},{"text":"Perfect.","start":3774.975,"end":3775.475,"sentiment":"positive","sentiment_score":0.4880707859992981},{"text":"Perfect.","start":3776.095,"end":3776.595,"sentiment":"positive","sentiment_score":0.5596363544464111}],"sentiment":"neutral","sentiment_score":-0.2750690508323411,"num_words":60,"start":3757.0,"end":3776.595},{"sentences":[{"text":"I've got all the advantages, disadvantages, risks, and also any alternatives in there considered for you as well.","start":3777.215,"end":3783.315,"sentiment":"neutral","sentiment_score":0.33251821166939205},{"text":"And then the last part is with the beneficiary nominations there.","start":3784.9102,"end":3788.4502,"sentiment":"neutral","sentiment_score":0.15829181264747272},{"text":"So one of the big things was making sure that your daughter was able to benefit from your superannuation in the event that anything was to happen to you.","start":3788.51,"end":3797.595,"sentiment":"neutral","sentiment_score":0.25513574121327237},{"text":"I am recommending that we alter your beneficiary nominations and make them a legal personal representative because she is a minor child.","start":3798.315,"end":3805.215,"sentiment":"neutral","sentiment_score":0.156338536942547},{"text":"Have a will drawn up with a solicitor and have the will drawn up so that it provides those protections for her.","start":3805.9949,"end":3812.075,"sentiment":"neutral","sentiment_score":0.16016922891139984}],"sentiment":"neutral","sentiment_score":0.21655534405042143,"num_words":102,"start":3777.215,"end":3812.075},{"sentences":[{"text":"So if in the event of passing, having this paid directly to your will, you can then nominate an executor who can, through your will, as so that they can help you have, like, a testament to trust built.","start":3812.075,"end":3823.83,"sentiment":"neutral","sentiment_score":0.19109973769921523},{"text":"And inside that trust, the money can be held.","start":3823.9702,"end":3826.2102,"sentiment":"neutral","sentiment_score":0.18557868897914886},{"text":"It can be distributed however you want so that the money is received and distributed to your daughter in a fashion as per your wishes, but so that she benefits from that money down the track.","start":3826.2102,"end":3837.4849,"sentiment":"neutral","sentiment_score":0.31170574037565124},{"text":"It can help her with schooling.","start":3837.4849,"end":3838.9448,"sentiment":"positive","sentiment_score":0.47298607726891834},{"text":"You know, you could sit there and just be held back so she can hold a will, held over you know, passed to her at a certain age point.","start":3839.565,"end":3847.08,"sentiment":"neutral","sentiment_score":0.18645918497751499}],"sentiment":"neutral","sentiment_score":0.2402498945593834,"num_words":119,"start":3812.075,"end":3847.08},{"sentences":[{"text":"You have a lot more control around doing that.","start":3847.08,"end":3849.5,"sentiment":"neutral","sentiment_score":0.09294420232375462},{"text":"Whereas at the moment, based on if anything happened to you as she is a minor, the money doesn't get paid directly to her.","start":3850.04,"end":3856.54,"sentiment":"neutral","sentiment_score":-0.02529092946012194},{"text":"It can go into trust or it can be paid to a trustee or her guardian.","start":3856.68,"end":3861.615,"sentiment":"neutral","sentiment_score":0.06342985341325402},{"text":"So there are greater benefits for having it paid through your will to minor children so that you have a lot more control over how that money is directed through to your daughter.","start":3861.915,"end":3872.175,"sentiment":"positive","sentiment_score":0.35727363057208783},{"text":"Okay?","start":3872.315,"end":3872.815,"sentiment":"neutral","sentiment_score":0.17559243738651276}],"sentiment":"neutral","sentiment_score":0.15915681222588363,"num_words":83,"start":3847.08,"end":3872.815},{"sentences":[{"text":"Perfect.","start":3874.7,"end":3875.2,"sentiment":"positive","sentiment_score":0.4941744804382324},{"text":"With having the investment as well, if you take on the recommendation, we open that investment account and we do invest that money.","start":3876.3,"end":3882.7,"sentiment":"neutral","sentiment_score":0.25109930012537085},{"text":"Having a will is also gonna be important.","start":3882.7,"end":3884.8,"sentiment":"neutral","sentiment_score":0.23600912652909756},{"text":"But, unlike Super, you don't have beneficiary nominations on investment accounts, so we'll need to make sure that that investment money, even if it's sitting in your bank account, is accounted for as part of your will and that the money is held past your estate and directed where you want it to be.","start":3885.435,"end":3901.45,"sentiment":"neutral","sentiment_score":0.058983822249703936},{"text":"So without having a will, everything goes into probate, and people can come forward and make a claim on the estate, meaning that the funds may not end up where you want them to go.","start":3901.45,"end":3911.0698,"sentiment":"neutral","sentiment_score":0.05071734333676951}],"sentiment":"neutral","sentiment_score":0.10841127945310321,"num_words":121,"start":3874.7,"end":3911.0698},{"sentences":[{"text":"It all gets done by a judge.","start":3911.635,"end":3913.235,"sentiment":"neutral","sentiment_score":0.18031128815242223},{"text":"It is done in in accordance with the law, but people can stake a claim on it, and it can be considered.","start":3913.235,"end":3918.615,"sentiment":"neutral","sentiment_score":0.21324150535193356},{"text":"So having a will and power of attorney drawn up is a lot best for your protection as well as the protection of your assets.","start":3918.915,"end":3925.975,"sentiment":"positive","sentiment_score":0.38423471570014955},{"text":"Yep.","start":3930.14,"end":3930.64,"sentiment":"neutral","sentiment_score":0.27062803506851196},{"text":"That's all good.","start":3930.78,"end":3931.68,"sentiment":"positive","sentiment_score":0.46500927209854126}],"sentiment":"neutral","sentiment_score":0.2969830323909891,"num_words":58,"start":3911.635,"end":3931.68},{"sentences":[{"text":"All good.","start":3931.9,"end":3932.54,"sentiment":"positive","sentiment_score":0.35227610170841217},{"text":"How can I help you?","start":3932.54,"end":3933.68,"sentiment":"neutral","sentiment_score":0.04242332391440869},{"text":"What was that?","start":3935.5,"end":3936.06,"sentiment":"neutral","sentiment_score":-0.003599880263209343},{"text":"Sorry.","start":3936.06,"end":3936.56,"sentiment":"neutral","sentiment_score":-0.04035491496324539},{"text":"Yeah.","start":3939.435,"end":3939.935,"sentiment":"neutral","sentiment_score":0.0286775641143322}],"sentiment":"neutral","sentiment_score":0.07451598594586055,"num_words":12,"start":3931.9,"end":3939.935},{"sentences":[{"text":"It's fair chunk.","start":3940.155,"end":3940.875,"sentiment":"neutral","sentiment_score":0.03203361853957176},{"text":"I'm not a lawyer, but there is a fair a fair bit that we need to know for our job.","start":3940.875,"end":3946.175,"sentiment":"neutral","sentiment_score":-0.012127762846648692},{"text":"The best thing I can do is refer you to a solicitor to sit down and talk about what you have, your circumstances, and what you want, and have them help you draw up a will that is, you know, set out in accordance with your wishes and, you know, helps you to meet that that goal of making sure she gets the money in accordance with what with what you want and how you want.","start":3946.5552,"end":3968.6,"sentiment":"neutral","sentiment_score":0.24354707126162553},{"text":"Yeah.","start":3971.8652,"end":3972.3652,"sentiment":"neutral","sentiment_score":-0.11482076346874236},{"text":"You're fine.","start":3973.3052,"end":3974.0452,"sentiment":"neutral","sentiment_score":-0.042363724671304226}],"sentiment":"neutral","sentiment_score":0.17807426276233265,"num_words":102,"start":3940.155,"end":3974.0452},{"sentences":[{"text":"Yeah.","start":3974.8252,"end":3975.3252,"sentiment":"neutral","sentiment_score":0.017143182456493378},{"text":"Yeah.","start":3978.745,"end":3979.245,"sentiment":"neutral","sentiment_score":0.003339093178510666},{"text":"Uh-huh.","start":3981.24,"end":3981.74,"sentiment":"neutral","sentiment_score":-0.02134319767355919},{"text":"Yeah.","start":3986.76,"end":3987.26,"sentiment":"neutral","sentiment_score":0.026706820353865623},{"text":"Yeah.","start":3990.2,"end":3990.7,"sentiment":"neutral","sentiment_score":-0.014219557866454124}],"sentiment":"neutral","sentiment_score":0.002325268089771271,"num_words":5,"start":3974.8252,"end":3990.7},{"sentences":[{"text":"Okay.","start":4002.375,"end":4002.875,"sentiment":"neutral","sentiment_score":-0.07223570346832275},{"text":"Yeah.","start":4005.75,"end":4006.07,"sentiment":"neutral","sentiment_score":-0.06640543788671494},{"text":"I would probably have a look into that because if you were made sole executor, you would have had to have a bit more of a say in how all that was to go.","start":4006.07,"end":4015.37,"sentiment":"neutral","sentiment_score":-0.1255249855492045},{"text":"If the if everything had been directed to her, then that's probably why she's received it all.","start":4016.07,"end":4023.915,"sentiment":"neutral","sentiment_score":-0.20409792048089645},{"text":"You would need to have a look at the will and how it is set up and drawn.","start":4023.915,"end":4028.175,"sentiment":"neutral","sentiment_score":-0.1418729205098417}],"sentiment":"neutral","sentiment_score":-0.14689954742789268,"num_words":71,"start":4002.375,"end":4028.175},{"sentences":[{"text":"It sounds like you may have been removed as the executor, but it also depends on what the assets are.","start":4028.235,"end":4034.93,"sentiment":"neutral","sentiment_score":-0.09532205983996392},{"text":"So, like, depending on how a home is owned and bank accounts is set up, they can automatically so, like, the way everything's set up with me and my husband, if I pass away, everything just reverts to him automatically because of the way we own our home and our joint accounts and everything.","start":4034.93,"end":4051.545,"sentiment":"neutral","sentiment_score":-0.06573899400730927},{"text":"He is he is part owner of that.","start":4051.545,"end":4054.125,"sentiment":"neutral","sentiment_score":-0.10725882882252336},{"text":"Yeah.","start":4054.265,"end":4054.765,"sentiment":"neutral","sentiment_score":-0.04352246597409248},{"text":"Yeah.","start":4057.4001,"end":4057.8,"sentiment":"neutral","sentiment_score":0.06797891855239868}],"sentiment":"neutral","sentiment_score":-0.07488048870471262,"num_words":84,"start":4028.235,"end":4057.8},{"sentences":[{"text":"Yeah.","start":4057.8,"end":4058.28,"sentiment":"neutral","sentiment_score":0.06757868826389313},{"text":"So then anything outside of those automatics would automatically go to the estate, and then you would need to help, you know, go through those sorts of things.","start":4058.28,"end":4066.54,"sentiment":"neutral","sentiment_score":0.031151812789695605},{"text":"But the other option could be and it's hard to sort of say without seeing how the bill is drawn up.","start":4067.7202,"end":4073.145,"sentiment":"neutral","sentiment_score":-0.10376257768699101},{"text":"But the other option is depending on how everything is set up for them in, you know, the house and the bank accounts and things like that, if you were executor, then you would have been called upon to sort of help distribute everything.","start":4073.145,"end":4087.3,"sentiment":"neutral","sentiment_score":-0.006196600977670063},{"text":"But it really just depends upon what the will says, how it is set up, and how all their assets are set up as well, how the house is owned, how the bank account is set up.","start":4087.36,"end":4096.88,"sentiment":"neutral","sentiment_score":-0.01682592143078108}],"sentiment":"neutral","sentiment_score":-0.016293085656548273,"num_words":131,"start":4057.8,"end":4096.88},{"sentences":[{"text":"There's a lot to it.","start":4096.88,"end":4098.82,"sentiment":"neutral","sentiment_score":-0.0858218491077423},{"text":"For a will, yeah, there's gotta be someone that acts as the executor to help because once someone passes away, they have to have a final tax return completed.","start":4102.905,"end":4111.965,"sentiment":"neutral","sentiment_score":-0.10627267458315554},{"text":"Any debts that need to be paid out needs to be covered, and an executive needs to take care of those things.","start":4112.56,"end":4118.24,"sentiment":"neutral","sentiment_score":-0.28666338561610744},{"text":"An executive can be, say, a family member, a friend, or you can direct a solicitor to be an executive on your behalf as well.","start":4118.24,"end":4125.44,"sentiment":"neutral","sentiment_score":0.0404086785018444},{"text":"So Yep.","start":4125.44,"end":4132.0146,"sentiment":"neutral","sentiment_score":0.08921222947537899}],"sentiment":"neutral","sentiment_score":-0.10396349241575563,"num_words":83,"start":4096.88,"end":4132.0146},{"sentences":[{"text":"Yep.","start":4132.155,"end":4132.655,"sentiment":"neutral","sentiment_score":0.14784787595272064},{"text":"Yeah.","start":4145.13,"end":4145.63,"sentiment":"neutral","sentiment_score":0.07922162860631943},{"text":"Yeah.","start":4150.01,"end":4150.51,"sentiment":"neutral","sentiment_score":0.18087096512317655},{"text":"Yeah.","start":4152.905,"end":4153.3047,"sentiment":"neutral","sentiment_score":0.2272145450115204},{"text":"It does sound like that might have been the possibility.","start":4153.3047,"end":4155.6445,"sentiment":"neutral","sentiment_score":0.17304907068610192}],"sentiment":"neutral","sentiment_score":0.1689746943967683,"num_words":14,"start":4132.155,"end":4155.6445},{"sentences":[{"text":"Yeah.","start":4157.3047,"end":4157.8047,"sentiment":"neutral","sentiment_score":0.01866278424859047},{"text":"Did you did you kinda get anything out of that site?","start":4157.945,"end":4160.2646,"sentiment":"neutral","sentiment_score":-0.08468091555617073},{"text":"Because that's where some of that money came from, didn't it?","start":4160.2646,"end":4162.425,"sentiment":"neutral","sentiment_score":-0.10740806839682839},{"text":"Oh, no.","start":4162.425,"end":4162.6646,"sentiment":"neutral","sentiment_score":-0.17386872321367264},{"text":"That was from your divorce, wasn't it?","start":4162.6646,"end":4164.105,"sentiment":"neutral","sentiment_score":-0.1800407873732703}],"sentiment":"neutral","sentiment_score":-0.11569809366483241,"num_words":32,"start":4157.3047,"end":4164.105},{"sentences":[{"text":"The the 160 or the 200?","start":4164.105,"end":4166.2046,"sentiment":"neutral","sentiment_score":-0.08568926776448886},{"text":"That's right.","start":4169.75,"end":4170.57,"sentiment":"neutral","sentiment_score":-0.014429336413741112},{"text":"Yeah.","start":4170.79,"end":4171.29,"sentiment":"neutral","sentiment_score":0.049443431198596954},{"text":"Yeah.","start":4171.43,"end":4171.91,"sentiment":"neutral","sentiment_score":0.05732692778110504},{"text":"I mean, it may be worth having a conversation with them and saying, hey.","start":4171.91,"end":4175.45,"sentiment":"neutral","sentiment_score":0.07494889758527279}],"sentiment":"neutral","sentiment_score":0.02554419357329607,"num_words":24,"start":4164.105,"end":4175.45},{"sentences":[{"text":"Can I help?","start":4176.07,"end":4176.87,"sentiment":"neutral","sentiment_score":0.09916476905345917},{"text":"What's going on?","start":4176.87,"end":4177.83,"sentiment":"neutral","sentiment_score":-0.04743689546982447},{"text":"Just sort of touch base and be like, you know, this is something I thought was the case.","start":4177.83,"end":4182.31,"sentiment":"neutral","sentiment_score":-0.1318878899845812},{"text":"Is this no longer the case?","start":4182.31,"end":4183.605,"sentiment":"neutral","sentiment_score":-0.33233538269996643},{"text":"Can I help you?","start":4183.605,"end":4184.665,"sentiment":"neutral","sentiment_score":0.003735410049557686}],"sentiment":"neutral","sentiment_score":-0.12346673691097428,"num_words":34,"start":4176.07,"end":4184.665},{"sentences":[{"text":"And just sort of see where things are at.","start":4185.045,"end":4186.725,"sentiment":"neutral","sentiment_score":-0.06886883080005646},{"text":"Because is your relationship quite well with your dad's partner?","start":4186.725,"end":4189.625,"sentiment":"neutral","sentiment_score":0.02848175666294992},{"text":"Yeah.","start":4197.22,"end":4197.72,"sentiment":"neutral","sentiment_score":-0.026299230754375454},{"text":"Yeah.","start":4209.235,"end":4209.735,"sentiment":"neutral","sentiment_score":0.04371414333581925},{"text":"Yeah.","start":4215.4746,"end":4215.9746,"sentiment":"neutral","sentiment_score":-0.1327390968799591}],"sentiment":"neutral","sentiment_score":-0.020469367948614738,"num_words":22,"start":4185.045,"end":4215.9746},{"sentences":[{"text":"Yeah.","start":4234.145,"end":4234.545,"sentiment":"neutral","sentiment_score":0.08248639851808548},{"text":"That's exactly right.","start":4234.545,"end":4235.9053,"sentiment":"neutral","sentiment_score":0.2813863555590312},{"text":"That's it.","start":4235.9053,"end":4236.705,"sentiment":"neutral","sentiment_score":0.10442635789513588},{"text":"Yeah.","start":4236.705,"end":4237.185,"sentiment":"neutral","sentiment_score":-0.05011429265141487},{"text":"And and these sorts of time frames can bring the worst out in a lot of people.","start":4237.185,"end":4240.705,"sentiment":"negative","sentiment_score":-0.39259591348030987}],"sentiment":"neutral","sentiment_score":-0.232864443367968,"num_words":24,"start":4234.145,"end":4240.705},{"sentences":[{"text":"It's a very emotional difficult time for people and yeah.","start":4240.705,"end":4244.305,"sentiment":"negative","sentiment_score":-0.4978039711713791},{"text":"You know?","start":4244.305,"end":4244.8853,"sentiment":"neutral","sentiment_score":-0.2585734724998474},{"text":"I've seen a lot of her state planning go bad.","start":4245.59,"end":4248.17,"sentiment":"neutral","sentiment_score":-0.29183495342731475},{"text":"Yeah.","start":4255.51,"end":4256.01,"sentiment":"neutral","sentiment_score":-0.008618822321295738},{"text":"Yeah.","start":4256.15,"end":4256.65,"sentiment":"neutral","sentiment_score":-0.03919260203838349}],"sentiment":"negative","sentiment_score":-0.3525561506394297,"num_words":24,"start":4240.705,"end":4256.65},{"sentences":[{"text":"Absolutely.","start":4261.525,"end":4262.025,"sentiment":"neutral","sentiment_score":0.0011616535484790802},{"text":"Absolutely.","start":4264.725,"end":4265.225,"sentiment":"neutral","sentiment_score":0.08470626175403595},{"text":"Yeah.","start":4266.165,"end":4266.665,"sentiment":"neutral","sentiment_score":0.05855201184749603},{"text":"And, look, the good the good thing with having Yeah.","start":4267.765,"end":4270.95,"sentiment":"positive","sentiment_score":0.33341912254691125},{"text":"And, look, the good the good thing with having a investment account there is if you open it and go forward with the advice and you decide at any point it's not working, you don't really want it, we can always close it and draw the funds back out.","start":4271.25,"end":4279.73,"sentiment":"neutral","sentiment_score":0.2744779500121973}],"sentiment":"neutral","sentiment_score":0.27303275327769017,"num_words":62,"start":4261.525,"end":4279.73},{"sentences":[{"text":"It's absolutely fine.","start":4279.73,"end":4281.0303,"sentiment":"positive","sentiment_score":0.4147777557373047},{"text":"It all the investments are liquid.","start":4281.89,"end":4283.845,"sentiment":"neutral","sentiment_score":0.18063562860091528},{"text":"Unlike your super, the funds aren't locked in there till retirement.","start":4283.845,"end":4287.065,"sentiment":"neutral","sentiment_score":0.05115940963680094},{"text":"You can pull the money out if you decide it's no longer for you.","start":4287.9253,"end":4290.8853,"sentiment":"neutral","sentiment_score":0.004605674051812717},{"text":"You don't wanna do it anymore.","start":4290.8853,"end":4292.245,"sentiment":"neutral","sentiment_score":-0.14658634116252264}],"sentiment":"neutral","sentiment_score":0.05189654836431146,"num_words":40,"start":4279.73,"end":4292.245},{"sentences":[{"text":"You can take the money out.","start":4292.245,"end":4293.785,"sentiment":"neutral","sentiment_score":-0.09525314221779506},{"text":"Obviously, markets go up and down.","start":4294.645,"end":4296.6797,"sentiment":"neutral","sentiment_score":-0.20560971150795618},{"text":"You could be taking the money out of the down point, which means you could be taking it less, but I would just sort of talk to you, keep working with you to see how you go.","start":4296.6797,"end":4304.3,"sentiment":"neutral","sentiment_score":-0.014223661475084923},{"text":"But yeah.","start":4305.4,"end":4306.36,"sentiment":"neutral","sentiment_score":0.07002223283052444},{"text":"I mean, I invest in my own name outside of Super, and I honestly love it.","start":4306.36,"end":4311.345,"sentiment":"positive","sentiment_score":0.40714639984071255}],"sentiment":"neutral","sentiment_score":0.06452140695790747,"num_words":67,"start":4292.245,"end":4311.345},{"sentences":[{"text":"I'm investing for the longer term.","start":4311.345,"end":4313.285,"sentiment":"neutral","sentiment_score":0.2750655934214592},{"text":"I know that I'm you know, it's a bit different for yourself to what I'm doing.","start":4313.825,"end":4317.505,"sentiment":"neutral","sentiment_score":-0.021352530922740698},{"text":"I'm really not wanting to access the money in the next couple of years.","start":4317.505,"end":4321.585,"sentiment":"neutral","sentiment_score":-0.3277021731649126},{"text":"I'm just sort of putting it in there to see how it goes over the longer term and might access it when I retire a bit.","start":4321.585,"end":4327.96,"sentiment":"neutral","sentiment_score":0.02677115511435729},{"text":"For yourself, it's a little bit different because you have this goal of being able to access through the money sooner.","start":4327.96,"end":4332.7,"sentiment":"neutral","sentiment_score":0.2020717373206502}],"sentiment":"neutral","sentiment_score":0.020005772989916515,"num_words":83,"start":4311.345,"end":4332.7},{"sentences":[{"text":"However, if we get to $49.50 and you decide you're taking a bit too risk in the market, it's a bit scary, we can always move you out of the growth portfolio and move you into something a little bit more defensive.","start":4333.64,"end":4344.335,"sentiment":"neutral","sentiment_score":-0.22220256215050108},{"text":"You don't have to be in the growth portfolio right up into the day you access those funds.","start":4344.335,"end":4349.075,"sentiment":"neutral","sentiment_score":0.13783546909689903},{"text":"More often than not, we tend to reduce the risk level a bit prior to accessing some of that money.","start":4349.535,"end":4354.995,"sentiment":"neutral","sentiment_score":0.21300092451274394},{"text":"If you you can always put more into it.","start":4356.24,"end":4358.08,"sentiment":"positive","sentiment_score":0.47624610198868644},{"text":"If you say, hey.","start":4358.08,"end":4358.72,"sentiment":"positive","sentiment_score":0.48416152596473694}],"sentiment":"neutral","sentiment_score":0.03904742306919508,"num_words":93,"start":4333.64,"end":4358.72},{"sentences":[{"text":"I've got an extra, you know, 5,000 here or an extra $100 here or there, you can be putting extra money into it to provide greater benefit and sorta help you along a bit more.","start":4358.72,"end":4368.585,"sentiment":"positive","sentiment_score":0.5613051337855203},{"text":"Portfolios do work.","start":4368.985,"end":4370.265,"sentiment":"positive","sentiment_score":0.44172702232996625},{"text":"If you've got a downtime and I go, hey.","start":4370.265,"end":4372.3447,"sentiment":"neutral","sentiment_score":0.1933920325504409},{"text":"Look.","start":4372.3447,"end":4372.8447,"sentiment":"neutral","sentiment_score":0.11180245131254196},{"text":"It's down.","start":4372.985,"end":4373.465,"sentiment":"neutral","sentiment_score":0.1211053803563118}],"sentiment":"positive","sentiment_score":0.46130804508924483,"num_words":50,"start":4358.72,"end":4373.465},{"sentences":[{"text":"Do you wanna throw some more money into it?","start":4373.465,"end":4375.145,"sentiment":"neutral","sentiment_score":0.19096528987089792},{"text":"You could always take advantage of those downtimes as well and chuck some more money into it.","start":4375.145,"end":4379.225,"sentiment":"positive","sentiment_score":0.4087937789804795},{"text":"So unlike your super, there's no caps.","start":4379.225,"end":4382.52,"sentiment":"neutral","sentiment_score":0.14282196866614477},{"text":"You can put as much or as little in as you like, and we just kinda wanna make sure it is working so you you are able to hopefully retire a bit earlier.","start":4382.6,"end":4391.34,"sentiment":"positive","sentiment_score":0.3486371844103842},{"text":"If we get to, say, 49, fifty, fifty one, and the markets are a bit volatile, it's not really working, we may have to reassess, obviously, the goal of how much you draw out or maybe, you know, look at whether we hold off for a little bit longer.","start":4391.96,"end":4407.415,"sentiment":"neutral","sentiment_score":-0.08783754812819618}],"sentiment":"neutral","sentiment_score":0.14668628573417664,"num_words":115,"start":4373.465,"end":4407.415},{"sentences":[{"text":"But those are all things that we can talk about down the track, and they're all possibilities.","start":4407.875,"end":4412.1504,"sentiment":"neutral","sentiment_score":0.03360672558055205},{"text":"There is obviously a lot of unknowns with investing, but, you know, working towards that goal, having the money in the market and investing in a portfolio tends to get you closer to that goal than having it sitting in a bank account earning very little interest.","start":4412.45,"end":4428.195,"sentiment":"neutral","sentiment_score":-0.004762602930373334},{"text":"So yeah.","start":4428.335,"end":4430.275,"sentiment":"neutral","sentiment_score":-0.11741389706730843},{"text":"But you can always walk away at any point.","start":4430.415,"end":4432.515,"sentiment":"neutral","sentiment_score":-0.2683787826034758},{"text":"Yeah.","start":4436.0947,"end":4436.5947,"sentiment":"neutral","sentiment_score":0.03186279162764549}],"sentiment":"neutral","sentiment_score":-0.02988029011574231,"num_words":76,"start":4407.875,"end":4436.5947},{"sentences":[{"text":"Yep.","start":4440.27,"end":4440.77,"sentiment":"neutral","sentiment_score":0.020691469311714172},{"text":"Yep.","start":4444.43,"end":4444.93,"sentiment":"neutral","sentiment_score":0.00851843599230051},{"text":"Well, realistically, you're still in the same tax bracket.","start":4448.5903,"end":4451.73,"sentiment":"neutral","sentiment_score":-0.0859806082314915},{"text":"It does mean you're paying more income tax.","start":4452.0303,"end":4454.325,"sentiment":"neutral","sentiment_score":-0.05563854705542326},{"text":"It could be an advantage.","start":4454.325,"end":4455.785,"sentiment":"neutral","sentiment_score":0.19141667187213898}],"sentiment":"neutral","sentiment_score":-0.009693357744254172,"num_words":24,"start":4440.27,"end":4455.785},{"sentences":[{"text":"You could be putting you have a bit more money aside to put into the investment.","start":4455.845,"end":4460.585,"sentiment":"neutral","sentiment_score":-0.07196230138652027},{"text":"It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax.","start":4461.5254,"end":4471.2197,"sentiment":"neutral","sentiment_score":-0.24680138026413165},{"text":"So you could end up with a tax bill as opposed to a refund.","start":4471.2197,"end":4474.6,"sentiment":"neutral","sentiment_score":-0.24129826256207057},{"text":"So there are advantages and disadvantages to both.","start":4474.7397,"end":4478.52,"sentiment":"neutral","sentiment_score":-0.04525784216821194},{"text":"Absolutely.","start":4485.215,"end":4485.715,"sentiment":"neutral","sentiment_score":0.25752222537994385}],"sentiment":"neutral","sentiment_score":-0.18198136961111774,"num_words":77,"start":4455.845,"end":4485.715},{"sentences":[{"text":"Yep.","start":4486.175,"end":4486.5747,"sentiment":"neutral","sentiment_score":0.19947776198387143},{"text":"Absolutely.","start":4486.5747,"end":4487.0747,"sentiment":"neutral","sentiment_score":0.25786876678466797},{"text":"Yep.","start":4487.455,"end":4487.775,"sentiment":"neutral","sentiment_score":0.1878388375043869},{"text":"And there are offsets that you can have.","start":4487.775,"end":4489.5347,"sentiment":"neutral","sentiment_score":0.1246381001546979},{"text":"So you get a tax statement when you are invested.","start":4489.5347,"end":4492.995,"sentiment":"neutral","sentiment_score":0.1135828360915184}],"sentiment":"neutral","sentiment_score":0.1322913584964616,"num_words":21,"start":4486.175,"end":4492.995},{"sentences":[{"text":"You there you get a tax statement every year.","start":4493.135,"end":4495.375,"sentiment":"neutral","sentiment_score":0.09308685941828622},{"text":"So your accountant goes through and inputs the information from the tax statement, noting the income, the CGT, but there's also deductions in those statements that they can add as well.","start":4495.375,"end":4505.09,"sentiment":"neutral","sentiment_score":0.10605867976142515},{"text":"So you get ranking credits on dividends.","start":4505.09,"end":4507.51,"sentiment":"neutral","sentiment_score":0.08675674774817058},{"text":"It is income or income tax paid from overseas investments like the S and P 500.","start":4507.8896,"end":4513.465,"sentiment":"neutral","sentiment_score":0.0014140476705506444},{"text":"There are taxation consequences in, like, The US for investing within The US and things like that.","start":4513.465,"end":4518.925,"sentiment":"neutral","sentiment_score":-0.09938127503675573}],"sentiment":"neutral","sentiment_score":0.0383255141088739,"num_words":80,"start":4493.135,"end":4518.925},{"sentences":[{"text":"You might get other you know, you might have losses that you might be able to claim against some of the gains to help reduce the income tax payable.","start":4520.105,"end":4527.625,"sentiment":"neutral","sentiment_score":-0.06993640137129817},{"text":"So there are positives and negatives to each of the situations.","start":4527.625,"end":4531.57,"sentiment":"neutral","sentiment_score":-0.11997143788771196},{"text":"There are, you know, things you have to claim when you tax return income wise, but there's also benefits and things that your accountant can use to offset some of those, if not all of the income and CDTs.","start":4531.71,"end":4543.935,"sentiment":"neutral","sentiment_score":0.04332972924487713},{"text":"So it's just I mean, you could start it for a year.","start":4544.315,"end":4547.675,"sentiment":"neutral","sentiment_score":0.07406073746581872},{"text":"We could look at it after your first tax return, see how it's going, see how it's benefiting you.","start":4547.675,"end":4551.995,"sentiment":"neutral","sentiment_score":0.13907793517175474}],"sentiment":"neutral","sentiment_score":0.01702934183518995,"num_words":110,"start":4520.105,"end":4551.995},{"sentences":[{"text":"And if you decide you don't wanna do it anymore, we just close and withdraw it all out for you.","start":4551.995,"end":4556.5747,"sentiment":"neutral","sentiment_score":-0.06974452901631593},{"text":"Cool.","start":4560.0503,"end":4560.5503,"sentiment":"neutral","sentiment_score":0.2636452913284302},{"text":"No.","start":4562.77,"end":4562.93,"sentiment":"neutral","sentiment_score":-0.03657921403646469},{"text":"You're fine.","start":4562.93,"end":4563.75,"sentiment":"neutral","sentiment_score":0.02030548546463251},{"text":"I tell you what, Nate.","start":4564.0503,"end":4565.0103,"sentiment":"neutral","sentiment_score":0.02431259714066982}],"sentiment":"neutral","sentiment_score":-0.03467760504833583,"num_words":29,"start":4551.995,"end":4565.0103},{"sentences":[{"text":"Every time I book you in, I book you in for a long time, and I cancel out most of my afternoon because there's always a lot to go through, and you're so inquisitive.","start":4565.0103,"end":4573.275,"sentiment":"neutral","sentiment_score":-0.12172535598716315},{"text":"And I love that.","start":4573.9746,"end":4575.0146,"sentiment":"positive","sentiment_score":0.6864990442991257},{"text":"So I always make sure I block out the rest of my afternoon for you, so don't worry in any way, shape, or form.","start":4575.0146,"end":4579.755,"sentiment":"positive","sentiment_score":0.33761024040480453},{"text":"Well, I finish here at six normally, but this week, I have not left here before seven, and I've actually been working till midnight most nights this week.","start":4584.5347,"end":4593.27,"sentiment":"neutral","sentiment_score":-0.011479051816942436},{"text":"So no.","start":4593.27,"end":4596.71,"sentiment":"neutral","sentiment_score":-0.027075771242380142}],"sentiment":"neutral","sentiment_score":0.06885233532596866,"num_words":92,"start":4565.0103,"end":4596.71},{"sentences":[{"text":"Back at home.","start":4596.71,"end":4597.27,"sentiment":"neutral","sentiment_score":-0.024524575099349022},{"text":"I go home and sit in my little office and plug my computer and then keep plugging away, getting those advice documents sorted and helping our lovely clients along.","start":4597.27,"end":4606.1646,"sentiment":"neutral","sentiment_score":0.15272740326051054},{"text":"So I'm actually off work tomorrow.","start":4606.1646,"end":4608.6646,"sentiment":"neutral","sentiment_score":-0.01034305306772391},{"text":"So you've got take some time over the weekend to have a read of the document.","start":4609.125,"end":4612.8247,"sentiment":"neutral","sentiment_score":0.08996382169425488},{"text":"Let me know if you do have any questions.","start":4612.885,"end":4614.485,"sentiment":"neutral","sentiment_score":0.14195588562223646}],"sentiment":"neutral","sentiment_score":0.11127756775489875,"num_words":63,"start":4596.71,"end":4614.485},{"sentences":[{"text":"You've got my email.","start":4614.485,"end":4615.3647,"sentiment":"neutral","sentiment_score":0.09332418069243431},{"text":"You can email me.","start":4615.3647,"end":4616.61,"sentiment":"neutral","sentiment_score":0.05445453803986311},{"text":"I am technically off tomorrow, but I have a lot of work to do.","start":4616.69,"end":4619.33,"sentiment":"neutral","sentiment_score":-0.06467115772621972},{"text":"So I probably will be in and out of my computer around looking after my son and doing the school run.","start":4619.33,"end":4624.07,"sentiment":"neutral","sentiment_score":0.06342920944804237},{"text":"So you can email me any questions you have, and I can talk you through it and see how you're going.","start":4624.85,"end":4630.07,"sentiment":"neutral","sentiment_score":0.22034732500712076}],"sentiment":"neutral","sentiment_score":0.08820352953625843,"num_words":64,"start":4614.485,"end":4630.07},{"sentences":[{"text":"All of the advice provided is just advice.","start":4631.295,"end":4633.535,"sentiment":"neutral","sentiment_score":0.11951745394617319},{"text":"It is the recommendation, so it's up to you whether you take on all of them, some of them, or none of them.","start":4633.535,"end":4638.335,"sentiment":"neutral","sentiment_score":0.08355132441805757},{"text":"And on the very last page of the advice document, you have a little text box.","start":4638.335,"end":4642.35,"sentiment":"neutral","sentiment_score":0.07418455136939883},{"text":"So if there's any part of the advice you don't wish to proceed with, we just need to write a little blurb in there, and we're happy, you know, not to proceed with anything that you tell us to not proceed with.","start":4642.43,"end":4653.39,"sentiment":"neutral","sentiment_score":-0.036430250165895336},{"text":"Okay?","start":4653.39,"end":4653.89,"sentiment":"neutral","sentiment_score":0.04565806686878204}],"sentiment":"neutral","sentiment_score":0.028670671944402985,"num_words":90,"start":4631.295,"end":4653.89},{"sentences":[{"text":"That's okay.","start":4660.765,"end":4661.5854,"sentiment":"neutral","sentiment_score":0.1538301259279251},{"text":"Yeah.","start":4662.365,"end":4662.865,"sentiment":"neutral","sentiment_score":0.12042641639709473},{"text":"Not a problem at all.","start":4663.645,"end":4665.0254,"sentiment":"positive","sentiment_score":0.4013000547885895},{"text":"Easy.","start":4665.0854,"end":4665.5854,"sentiment":"neutral","sentiment_score":0.03668680414557457},{"text":"The only other thing to kind of make sure you're aware of is on page 54, it does outline the ongoing service fees there.","start":4665.9653,"end":4672.1,"sentiment":"neutral","sentiment_score":-0.009874115038352707}],"sentiment":"neutral","sentiment_score":0.06770590864912127,"num_words":33,"start":4660.765,"end":4672.1},{"sentences":[{"text":"So it does note down the ongoing service fee.","start":4672.1,"end":4674.76,"sentiment":"neutral","sentiment_score":0.024247348515523806},{"text":"Paid out of super is 1.65%, and then the ongoing service fee paid out of the investment is 1.1%.","start":4674.98,"end":4681.96,"sentiment":"neutral","sentiment_score":0.010420123850436587},{"text":"If your balance gets up over 600,000 between the two, at the moment, we do cap that.","start":4682.485,"end":4687.205,"sentiment":"neutral","sentiment_score":-0.005640473737217048},{"text":"So if there's any changes to the fee structure, we'll make sure you're aware of it.","start":4687.205,"end":4690.745,"sentiment":"neutral","sentiment_score":0.021722758538089693},{"text":"But this is the fee structure that you're on currently, and the fees are outlined nice and clear for you.","start":4690.885,"end":4696.325,"sentiment":"neutral","sentiment_score":0.14231310673058034}],"sentiment":"neutral","sentiment_score":0.04338452725291804,"num_words":81,"start":4672.1,"end":4696.325},{"sentences":[{"text":"Okay?","start":4696.325,"end":4696.825,"sentiment":"neutral","sentiment_score":0.1022985503077507},{"text":"Alright.","start":4699.84,"end":4700.34,"sentiment":"neutral","sentiment_score":0.06381656974554062},{"text":"Yep.","start":4703.1997,"end":4703.5996,"sentiment":"neutral","sentiment_score":0.06695172190666199},{"text":"That's correct.","start":4703.5996,"end":4704.4,"sentiment":"neutral","sentiment_score":0.1249474287033081},{"text":"Yeah.","start":4704.4,"end":4704.7197,"sentiment":"neutral","sentiment_score":0.10817882418632507}],"sentiment":"neutral","sentiment_score":0.0985234205921491,"num_words":6,"start":4696.325,"end":4704.7197},{"sentences":[{"text":"They're both percentages, so they both do link to the performance of your your investments and your super.","start":4704.7197,"end":4711.6196,"sentiment":"neutral","sentiment_score":0.12876951487527954},{"text":"So, again, the same as with the super fee.","start":4711.835,"end":4713.755,"sentiment":"neutral","sentiment_score":0.05163889088564449},{"text":"If anything, if your markets are performing well, the amount we get is a little bit higher.","start":4713.755,"end":4717.935,"sentiment":"neutral","sentiment_score":-0.01479511390275815},{"text":"However, if the market does take a bit of a dip, then the amount we receive is a little bit lower as well.","start":4718.0747,"end":4722.715,"sentiment":"neutral","sentiment_score":-0.09089564629223036},{"text":"Okay?","start":4722.715,"end":4723.215,"sentiment":"neutral","sentiment_score":0.015335220843553545}],"sentiment":"neutral","sentiment_score":0.006703230963252923,"num_words":68,"start":4704.7197,"end":4723.215},{"sentences":[{"text":"Perfect.","start":4725.53,"end":4726.03,"sentiment":"positive","sentiment_score":0.5831162929534912},{"text":"No.","start":4733.61,"end":4734.11,"sentiment":"neutral","sentiment_score":-0.062070246785879135},{"text":"No.","start":4734.25,"end":4734.49,"sentiment":"neutral","sentiment_score":-0.08042961359024048},{"text":"That is me.","start":4734.49,"end":4735.05,"sentiment":"neutral","sentiment_score":-0.09865328669548035},{"text":"I'm gonna do final nights for the afternoon now.","start":4735.05,"end":4737.05,"sentiment":"neutral","sentiment_score":-0.06425223582320744}],"sentiment":"neutral","sentiment_score":-0.02890756999452909,"num_words":15,"start":4725.53,"end":4737.05},{"sentences":[{"text":"That is my last call for the day.","start":4737.05,"end":4738.83,"sentiment":"neutral","sentiment_score":-0.05682276748120785},{"text":"It's 2355.","start":4743.9854,"end":4745.585,"sentiment":"neutral","sentiment_score":0.005155076854862273},{"text":"Yeah.","start":4745.585,"end":4745.9854,"sentiment":"neutral","sentiment_score":0.0137835294008255},{"text":"Yep.","start":4745.9854,"end":4746.4854,"sentiment":"neutral","sentiment_score":0.010724450461566448},{"text":"Yep.","start":4752.1597,"end":4752.48,"sentiment":"neutral","sentiment_score":0.014681502245366572}],"sentiment":"neutral","sentiment_score":-0.031160192617859978,"num_words":13,"start":4737.05,"end":4752.48},{"sentences":[{"text":"Yeah.","start":4752.48,"end":4752.8,"sentiment":"neutral","sentiment_score":0.020357122644782063},{"text":"I literally live in New South Wales.","start":4752.8,"end":4754.32,"sentiment":"neutral","sentiment_score":0.01577252402369465},{"text":"I live over the border, so I drive across to Queensland to work every day.","start":4754.32,"end":4758.1597,"sentiment":"neutral","sentiment_score":0.023441172391176223},{"text":"So I split myself between time zones.","start":4758.1597,"end":4760.34,"sentiment":"neutral","sentiment_score":0.008233956726534026},{"text":"Yeah.","start":4762.88,"end":4763.38,"sentiment":"neutral","sentiment_score":0.032068535685539246}],"sentiment":"neutral","sentiment_score":0.018454471272566626,"num_words":31,"start":4752.48,"end":4763.38},{"sentences":[{"text":"It is.","start":4767.555,"end":4768.115,"sentiment":"neutral","sentiment_score":0.12751224637031555},{"text":"It is.","start":4768.115,"end":4768.675,"sentiment":"neutral","sentiment_score":0.1768932193517685},{"text":"Now it's all good.","start":4768.675,"end":4769.555,"sentiment":"positive","sentiment_score":0.3692411780357361},{"text":"It's only for another two weeks, and then we're all back on one time zone again.","start":4769.555,"end":4773.015,"sentiment":"neutral","sentiment_score":0.11785642150789499},{"text":"No worries.","start":4779.5703,"end":4780.15,"sentiment":"neutral","sentiment_score":0.18683112412691116}],"sentiment":"neutral","sentiment_score":0.16712079369104826,"num_words":26,"start":4767.555,"end":4780.15},{"sentences":[{"text":"Yep.","start":4782.77,"end":4783.0903,"sentiment":"neutral","sentiment_score":0.16017554700374603},{"text":"No worries.","start":4783.0903,"end":4783.49,"sentiment":"positive","sentiment_score":0.3519512712955475},{"text":"You have a good afternoon, Nate.","start":4783.49,"end":4784.77,"sentiment":"positive","sentiment_score":0.7045660515626272},{"text":"Thank you so much for your time.","start":4784.77,"end":4785.89,"sentiment":"positive","sentiment_score":0.8755431515829903},{"text":"You have a good weekend.","start":4785.89,"end":4786.77,"sentiment":"positive","sentiment_score":0.7716650366783142}],"sentiment":"positive","sentiment_score":0.718028649687767,"num_words":21,"start":4782.77,"end":4786.77},{"sentences":[{"text":"I'll talk to you soon.","start":4786.77,"end":4787.99,"sentiment":"positive","sentiment_score":0.5491378426551818},{"text":"No worries.","start":4790.7847,"end":4791.525,"sentiment":"positive","sentiment_score":0.452421635389328},{"text":"Have a good one.","start":4791.585,"end":4792.2246,"sentiment":"positive","sentiment_score":0.6146214753389359},{"text":"I'll talk to you later.","start":4792.2246,"end":4793.445,"sentiment":"positive","sentiment_score":0.37481067776679994},{"text":"Bye.","start":4793.505,"end":4794.005,"sentiment":"neutral","sentiment_score":-0.1187541037797928}],"sentiment":"positive","sentiment_score":0.46260692179203033,"num_words":17,"start":4786.77,"end":4794.005}]}}]},{"alternatives":[{"transcript":"Hello? Good. Is that you, Diana? Yeah. Yeah. Yeah. I can. Yep. You got me? No. How's my day been? Oh, very quite busy, actually. Yeah. Yep. I mean, that that I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of the machine operator. So we've been yeah. We're doing a planned very well, getting ready to to light fires. Yeah. Yeah. Yeah. How about you? Oh, cool. And how are you? Well yeah. I don't I don't yes. But that's, like, I went and double, triple checked. I'm like, no. It's just 10. I like to check. But no. No. There are, mate. Yeah. And okay. Well, I don't I don't know. That's probably what we get for being shaky, so you. Yes. Yes. Oh, so well, did you did you get the last few pictures? I had a bit of a break the last two or three weeks, but I'll thank the last for my name, I might. Really got an ounce in 24 adults. So that's that's yeah. But it just doesn't happen like that all the time. It's very hit and miss. So yeah. Yeah. But yeah. Yeah. Putting putting that aside with my little my little extra stuff. I haven't really packed any in. Sometimes I think, oh, maybe I should be the part of the dog, but I don't know. I can't see it going going down. Hey. It could go down. I did it some time. Yeah. Yeah. Yeah. What else is yeah. What else did I say about that? Bloody Elon Musk. He's a nutcase, that's right. Like, I tell you, all these all these CEOs and rich and wealthy people, they're all they're all a little bit they're, you know, they got bit of ADHD or autism or something like I do, like we all do. But but they're saying it's like, they're weird creatures, some of them. What did he say the other day? He's getting interviewed, and they asked about retirement in twenty years' time. What are are people gonna have home help? How much money are they gonna need to be able to be cared for? And anyone must anyone must answer was just don't bother saving for it. You won't need it in twenty years' time. I'm like, Friday. Are you on? Yeah. Most definitely. Anyway yeah. Yeah. I should do. I'll just get in. Sure. Go for it. Do you really use it for training purposes? Yeah. Yep. Yep. Okay. Alright. Well, you I hope you are. That was a that was a that was a little bit of a laugh with a little bit of a something there. You're starting to get older and forgetful. I need to do that permanently. I need to record everything because I I forget what I've done five minutes ago. Oh, god. Yeah. Nathaniel John Bricknell, twenty ninth of the eighth '81. Address, I hope it's Unit 2 14 McMillan Street. Oh, Street Street. Mhmm. Yeah. I've opened up. It just says it's from you, and it says sign document. Yep. Opening up now. Yep. I got it. Yep. Yep. Sorry. Sorry. Awesome. Thanks. Yep. Yep. Oh, no. What have I done? Yeah. Yeah. I just I zoomed too far in. All good. Yep. Yep. Yep. About you to oh, yeah. Yep. You're The pay increase? No. But we finally we have to walk in the streets of Melbourne and rally, and no one knew who the hell we were and just stared at us. But we've got a much better deal on the table. They're just finalizing it. I'll get that paid only to January even though they've delayed delayed it by over a year. Yeah. So I will be getting a I think it might be worth about 5 or 6,000 a year, and that should should be getting passed shortly. Yeah. Yep. Yep. I'm with with marital status. Like, I mean, separated, settlements done, dusted. Can I just be marital status blank? Yeah. Yeah. Well, yeah, let's just go with that or blank or something. But cool. No. Yeah. Back end. Hell no. Don't don't don't go any way just for that. Thank you. Health status. Good. Love it. Good. Things don't look. Yeah. Everything's the same. Pretty much. Yep. Look. Like, the accounts have probably gone up maybe by three or four thousand overall. Yeah. Yep. Yep. Would that be due for transfer from Aware into Hub twenty four? Yep. Awesome. Yep. Yep. Yep. Yep. Was it the my lifestyle assets and liabilities? Our advice to you? Woah. That's fine. Yep. So what Yep. Yep. You're good. Yep. Yep. Mhmm. Well well well, it's not a bad price, really. Yep. Cool. Yep. Yep. Yep. Yep. Yep. No. But yeah. No. Yep. Yep. No. I'm I'm good. So so the projected balance is based off that 15%, did you say? Yes. Yep. Yep. Okay. Yep. Yeah. Pretty much. I'm I'm I'm I'm with you. I'm I'm on to it. Yeah. Yep. No. No. Spot on. That is how my brain works, actually. It's like with a lot of things that I learned to do. Yeah. Yep. I'll let I'll learn it. See you later. Let me let me learn it, and I'll come back. Thanks. Yep. Hold on. Hold on. Yeah. Trying to hear you, was it? Yep. Yep. Got it. Yeah. Yeah. You're right. Yep. Is this phone twenty four seven in work and out of work regardless or just at in work? Yeah. Yep. Because I got told that it doesn't matter whether I hurt myself at work or out of work that I'm from trouble. Yeah. Yeah. Yeah. Exactly. But it's what what we've heard, what what, you know, over the last six months or so, is that doesn't matter. Yeah. You can crash your bike going for a ride in your own time or something because that happens or something. Mhmm. I've gotta talk to them about that. I'm not sure whether they just what they what they did. So I've still got a cat but they're off work. They've been off work for a while. So yeah. Check yeah. We'd be sorry. We'd be aware through for income protection and that. When would we look at getting rid of that? Would we look at getting rid of that at some stage? Because it changes the page, doesn't it? Yep. Yep. And, of course, that could that's flexible by another three or four years through you. If I'm expecting them if I was happy to hang on, you know. Yeah. Yep. Like Twenty nine twenty nine. Yep. Yep. That was page 37. I can do that? Oh, well, anyway. Yes. Yep. Does that include my contributions or not? Was it monthly? Yes. Yes. For the project in the projected balance. Does that account for that too? Yep. Yep. Alright. Cat. Yep. Sorry. 50 to 60 or 50 to 55? Yeah. Yeah. Yes. I'm reaching it now. I was just Yes. I got you. Yeah. Just like, there's a whole lot of an unknown, but they're a way it is. Don't bother planning any planning too far ahead. Okay. Yep. I love that. That does. Quick question. With that, you say, if you hit let's just say I've hit 50 well, 51. For forty one eight hundred drawdown each year. How would I be taking that out each year? As a lump sum, or would I just be taking it out on a fortnightly or monthly basis or whatever? That's the yeah. That's gonna be my next steps. Yeah. That's I was after. Yeah. That's one that's that's what I was thinking. So yeah. It'll yeah. Because your lump sum, that's quite a large amount out, and therefore, the investment, you've got less still growing in in that time. So to tax, I'm just I'm taxed on that than anything else that I that I earn. The same. Yeah? Yep. Yeah. Yeah. I think I I think that's Yeah. Faster. Yep. So, yeah, that's what I was that's what I was hoping. Anything else? Any other work I'd do? But if I've got yeah. Yeah. If I've got other like you say, I still had some gold, but then I needed some cash. I can sell that. I think I'm I'm not sure. I'd have to look into it when you've got to start, you're meant to say to tell them and pay tax on it. No. No. We're like if I if I was to sell stuff to to top it up each year, like, sell some of the gold that I had, Yeah. She meant I think she meant to declare it after certain amount, so then it gets passed too. Yeah. But yeah. Anyway, no. That was right. Thank you. Yep. Yep. Yep. That's my that's Lisa. Yep. Yeah. Yep. So if if if Jay if I would just say, well, to sell it and I put it yeah. You talk about, you know, 1,000,000. I paid what I paid for it, the difference. If I put all of that into the same investment portfolio, this new one that you're designing, what what would that how big an impact would that make? Yep. Yeah. Yep. That's cool. In all serious seriousness, sir, I actually thought I actually thought you're gonna say sell it and add it to the portfolio, but there was a couple of things I forgot to I I missed with the taxes and all of that. So yeah. Hey. Yep. Yep. No. That's that's yep. Yes. Yeah. Yes. Cool. I need to learn about that, WV. Because yeah. Yep. Do you know about Will's? Do you know much do you know much about Will's or or not? Yeah. Right. Hey. Quickly, this is going off track. I'm sorry, but you might quickly answer this for me. If if I was if my my my dad told me I was his the executive, but he's Will, I'm a few years with his partner. His partner and him sat sat me down and said I was an executor of the will. Yep. And he's since passed, and and it's kinda quiet on that side of things. I haven't can it roll over to the partner? And then when when the partner passes, I become the executor, or would I I must have been removed off it. It. That's what it's that's what it's happening in this case. Yep. Yeah. So it does there always have to be an executor? Yep. Yeah. It was meant to be because I've got, obviously, stepfather's pieces. It's meant to be myself and of my and my step sisters. And my last conversation, she said, oh, I've gotta go and catch up with my daughter. I'm very clear the will. And I thought, okay. Yeah. Because I've I've been sat down a few years before and told that I was an executor. There. So so it sounds okay. Yeah. No. My car running cost at the start of the January this year. So Yeah. It's it's it's it's okay. But I'm just I was never expecting anything anyway. And and, yeah, it wasn't about that. It was just that yeah. That they told me. Then that's it. I I read up about it, and I was like, well, I should receive something and be notified. And then she made that comment, and I was like, okay. Right. But yeah. It it's probably not worth my worry. Yeah. I tried to yeah. I don't there's there's no point going if that's how the money was directed and stuff was directed up. I'm not going in there to change it because it's it is what it is, and you just gotta get on with it. Yes. Exactly. But hence why I'm talking to you because, you know, I've been doing it doing it my way with and for so long. So hence why, you know, I'm a little nervous about this. But but yeah. Yeah. Because I'm not hanging on. Yeah. So just a quick one. Just say my income of 80,000 a year changed all of the sudden to around a $100,000 a year. Is that gonna be an advantage or a disadvantage? Yep. But if that that so that investment of of mine is going after, that's what I wanted to do. So yep. Yeah. Yep. Okay. Yep. No. I get that. Awesome. Oh, well, I'll just I've held you up for so long again. It's hot. What time are you expecting to get home from? Oh, god. At the office or back at home? Yep. Yep. That's perfect. I'll I'll read through it, and I probably will have questions for you, but I'll get in touch with you the weekend, probably. Thank you again. No fees are automatically deducted out of my investment anyway on is Yep. Awesome. Alright. That is good. Alright. I'm go I'll go and leave you to anything. Have you got another client or you're done? You're done. Okay. Alright. What is it? Twenty five thirty up there. See, it's, yeah, 23 miles deep. Yep. Yep. That's right. You didn't say. Crikey. Yep. Yep. Yep. You got to the border. Yay. Alright. Thank you very much, Dana. And, yeah, I'll talk soon. You too. I appreciate everything you've done. 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Good. Is that you, Diana? Yeah. Yeah.\n\nYeah. I can. Yep. You got me? No.\n\nHow's my day been? Oh, very quite busy, actually. Yeah. Yep. I mean, that that I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of the machine operator.\n\nSo we've been yeah. We're doing a planned very well, getting ready to to light fires. Yeah. Yeah. Yeah.\n\nHow about you? Oh, cool. And how are you? Well yeah. I don't I don't yes.\n\nBut that's, like, I went and double, triple checked. I'm like, no. It's just 10. I like to check. But no.\n\nNo. There are, mate. Yeah. And okay. Well, I don't I don't know.\n\nThat's probably what we get for being shaky, so you. Yes. Yes. Oh, so well, did you did you get the last few pictures? I had a bit of a break the last two or three weeks, but I'll thank the last for my name, I might.\n\nReally got an ounce in 24 adults. So that's that's yeah. But it just doesn't happen like that all the time. It's very hit and miss. So yeah.\n\nYeah. But yeah. Yeah. Putting putting that aside with my little my little extra stuff. I haven't really packed any in.\n\nSometimes I think, oh, maybe I should be the part of the dog, but I don't know. I can't see it going going down. Hey. It could go down. I did it some time.\n\nYeah. Yeah. Yeah. What else is yeah. What else did I say about that?\n\nBloody Elon Musk. He's a nutcase, that's right. Like, I tell you, all these all these CEOs and rich and wealthy people, they're all they're all a little bit they're, you know, they got bit of ADHD or autism or something like I do, like we all do. But but they're saying it's like, they're weird creatures, some of them. What did he say the other day?\n\nHe's getting interviewed, and they asked about retirement in twenty years' time. What are are people gonna have home help? How much money are they gonna need to be able to be cared for? And anyone must anyone must answer was just don't bother saving for it. You won't need it in twenty years' time.\n\nI'm like, Friday. Are you on? Yeah. Most definitely. Anyway yeah.\n\nYeah. I should do. I'll just get in. Sure. Go for it.\n\nDo you really use it for training purposes? Yeah. Yep. Yep. Okay.\n\nAlright. Well, you I hope you are. That was a that was a that was a little bit of a laugh with a little bit of a something there. You're starting to get older and forgetful. I need to do that permanently.\n\nI need to record everything because I I forget what I've done five minutes ago. Oh, god. Yeah. Nathaniel John Bricknell, twenty ninth of the eighth '81. Address, I hope it's Unit 2 14 McMillan Street.\n\nOh, Street Street. Mhmm. Yeah. I've opened up. It just says it's from you, and it says sign document.\n\nYep. Opening up now. Yep. I got it. Yep.\n\nYep. Sorry. Sorry. Awesome. Thanks.\n\nYep. Yep. Oh, no. What have I done? Yeah.\n\nYeah. I just I zoomed too far in. All good. Yep. Yep.\n\nYep. About you to oh, yeah. Yep. You're The pay increase? No.\n\nBut we finally we have to walk in the streets of Melbourne and rally, and no one knew who the hell we were and just stared at us. But we've got a much better deal on the table. They're just finalizing it. I'll get that paid only to January even though they've delayed delayed it by over a year. Yeah.\n\nSo I will be getting a I think it might be worth about 5 or 6,000 a year, and that should should be getting passed shortly. Yeah. Yep. Yep. I'm with with marital status.\n\nLike, I mean, separated, settlements done, dusted. Can I just be marital status blank? Yeah. Yeah. Well, yeah, let's just go with that or blank or something.\n\nBut cool. No. Yeah. Back end. Hell no.\n\nDon't don't don't go any way just for that. Thank you. Health status. Good. Love it.\n\nGood. Things don't look. Yeah. Everything's the same. Pretty much.\n\nYep. Look. Like, the accounts have probably gone up maybe by three or four thousand overall. Yeah. Yep.\n\nYep. Would that be due for transfer from Aware into Hub twenty four? Yep. Awesome. Yep.\n\nYep. Yep. Yep. Was it the my lifestyle assets and liabilities? Our advice to you?\n\nWoah. That's fine. Yep. So what Yep. Yep.\n\nYou're good. Yep. Yep. Mhmm. Well well well, it's not a bad price, really.\n\nYep. Cool. Yep. Yep. Yep.\n\nYep. Yep. No. But yeah. No.\n\nYep. Yep. No. I'm I'm good. So so the projected balance is based off that 15%, did you say?\n\nYes. Yep. Yep. Okay. Yep.\n\nYeah. Pretty much. I'm I'm I'm I'm with you. I'm I'm on to it. Yeah.\n\nYep. No. No. Spot on. That is how my brain works, actually.\n\nIt's like with a lot of things that I learned to do. Yeah. Yep. I'll let I'll learn it. See you later.\n\nLet me let me learn it, and I'll come back. Thanks. Yep. Hold on. Hold on.\n\nYeah. Trying to hear you, was it? Yep. Yep. Got it.\n\nYeah. Yeah. You're right. Yep. Is this phone twenty four seven in work and out of work regardless or just at in work?\n\nYeah. Yep. Because I got told that it doesn't matter whether I hurt myself at work or out of work that I'm from trouble. Yeah. Yeah.\n\nYeah. Exactly. But it's what what we've heard, what what, you know, over the last six months or so, is that doesn't matter. Yeah. You can crash your bike going for a ride in your own time or something because that happens or something.\n\nMhmm. I've gotta talk to them about that. I'm not sure whether they just what they what they did. So I've still got a cat but they're off work. They've been off work for a while.\n\nSo yeah. Check yeah. We'd be sorry. We'd be aware through for income protection and that. When would we look at getting rid of that?\n\nWould we look at getting rid of that at some stage? Because it changes the page, doesn't it? Yep. Yep. And, of course, that could that's flexible by another three or four years through you.\n\nIf I'm expecting them if I was happy to hang on, you know. Yeah. Yep. Like Twenty nine twenty nine. Yep.\n\nYep. That was page 37. I can do that? Oh, well, anyway. Yes.\n\nYep. Does that include my contributions or not? Was it monthly? Yes. Yes.\n\nFor the project in the projected balance. Does that account for that too? Yep. Yep. Alright.\n\nCat. Yep. Sorry. 50 to 60 or 50 to 55? Yeah.\n\nYeah. Yes. I'm reaching it now. I was just Yes. I got you.\n\nYeah. Just like, there's a whole lot of an unknown, but they're a way it is. Don't bother planning any planning too far ahead. Okay. Yep.\n\nI love that. That does. Quick question. With that, you say, if you hit let's just say I've hit 50 well, 51. For forty one eight hundred drawdown each year.\n\nHow would I be taking that out each year? As a lump sum, or would I just be taking it out on a fortnightly or monthly basis or whatever? That's the yeah. That's gonna be my next steps. Yeah.\n\nThat's I was after. Yeah. That's one that's that's what I was thinking. So yeah. It'll yeah.\n\nBecause your lump sum, that's quite a large amount out, and therefore, the investment, you've got less still growing in in that time. So to tax, I'm just I'm taxed on that than anything else that I that I earn. The same. Yeah? Yep.\n\nYeah. Yeah. I think I I think that's Yeah. Faster. Yep.\n\nSo, yeah, that's what I was that's what I was hoping. Anything else? Any other work I'd do? But if I've got yeah. Yeah.\n\nIf I've got other like you say, I still had some gold, but then I needed some cash. I can sell that. I think I'm I'm not sure. I'd have to look into it when you've got to start, you're meant to say to tell them and pay tax on it. No.\n\nNo. We're like if I if I was to sell stuff to to top it up each year, like, sell some of the gold that I had, Yeah. She meant I think she meant to declare it after certain amount, so then it gets passed too. Yeah. But yeah.\n\nAnyway, no. That was right. Thank you. Yep. Yep.\n\nYep. That's my that's Lisa. Yep. Yeah. Yep.\n\nSo if if if Jay if I would just say, well, to sell it and I put it yeah. You talk about, you know, 1,000,000. I paid what I paid for it, the difference. If I put all of that into the same investment portfolio, this new one that you're designing, what what would that how big an impact would that make? Yep.\n\nYeah. Yep. That's cool. In all serious seriousness, sir, I actually thought I actually thought you're gonna say sell it and add it to the portfolio, but there was a couple of things I forgot to I I missed with the taxes and all of that. So yeah.\n\nHey. Yep. Yep. No. That's that's yep.\n\nYes. Yeah. Yes. Cool. I need to learn about that, WV.\n\nBecause yeah. Yep. Do you know about Will's? Do you know much do you know much about Will's or or not? Yeah.\n\nRight. Hey. Quickly, this is going off track. I'm sorry, but you might quickly answer this for me. If if I was if my my my dad told me I was his the executive, but he's Will, I'm a few years with his partner.\n\nHis partner and him sat sat me down and said I was an executor of the will. Yep. And he's since passed, and and it's kinda quiet on that side of things. I haven't can it roll over to the partner? And then when when the partner passes, I become the executor, or would I I must have been removed off it.\n\nIt. That's what it's that's what it's happening in this case. Yep. Yeah. So it does there always have to be an executor?\n\nYep. Yeah. It was meant to be because I've got, obviously, stepfather's pieces. It's meant to be myself and of my and my step sisters. And my last conversation, she said, oh, I've gotta go and catch up with my daughter.\n\nI'm very clear the will. And I thought, okay. Yeah. Because I've I've been sat down a few years before and told that I was an executor. There.\n\nSo so it sounds okay. Yeah. No. My car running cost at the start of the January this year. So Yeah.\n\nIt's it's it's it's okay. But I'm just I was never expecting anything anyway. And and, yeah, it wasn't about that. It was just that yeah. That they told me.\n\nThen that's it. I I read up about it, and I was like, well, I should receive something and be notified. And then she made that comment, and I was like, okay. Right. But yeah.\n\nIt it's probably not worth my worry. Yeah. I tried to yeah. I don't there's there's no point going if that's how the money was directed and stuff was directed up. I'm not going in there to change it because it's it is what it is, and you just gotta get on with it.\n\nYes. Exactly. But hence why I'm talking to you because, you know, I've been doing it doing it my way with and for so long. So hence why, you know, I'm a little nervous about this. But but yeah.\n\nYeah. Because I'm not hanging on. Yeah. So just a quick one. Just say my income of 80,000 a year changed all of the sudden to around a $100,000 a year.\n\nIs that gonna be an advantage or a disadvantage? Yep. But if that that so that investment of of mine is going after, that's what I wanted to do. So yep. Yeah.\n\nYep. Okay. Yep. No. I get that.\n\nAwesome. Oh, well, I'll just I've held you up for so long again. It's hot. What time are you expecting to get home from? Oh, god.\n\nAt the office or back at home? Yep. Yep. That's perfect. I'll I'll read through it, and I probably will have questions for you, but I'll get in touch with you the weekend, probably.\n\nThank you again. No fees are automatically deducted out of my investment anyway on is Yep. Awesome. Alright. That is good.\n\nAlright. I'm go I'll go and leave you to anything. Have you got another client or you're done? You're done. Okay.\n\nAlright. What is it? Twenty five thirty up there. See, it's, yeah, 23 miles deep. Yep.\n\nYep. That's right. You didn't say. Crikey. Yep.\n\nYep. Yep. You got to the border. Yay. Alright.\n\nThank you very much, Dana. And, yeah, I'll talk soon. You too. I appreciate everything you've done. Cheers.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.016104817390441895},{"text":"Good.","start":4.72,"end":5.12,"sentiment":"positive","sentiment_score":0.4209555685520172},{"text":"Is that you, Diana?","start":5.12,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2603052593767643},{"text":"Yeah.","start":12.24,"end":12.48,"sentiment":"neutral","sentiment_score":0.037352561950683594},{"text":"Yeah.","start":12.48,"end":12.799999,"sentiment":"neutral","sentiment_score":0.03833094611763954}],"sentiment":"neutral","sentiment_score":0.19424561643972993,"num_words":8,"start":0.79999995,"end":12.799999},{"sentences":[{"text":"Yeah.","start":12.799999,"end":13.12,"sentiment":"neutral","sentiment_score":0.051377635449171066},{"text":"I can.","start":13.12,"end":13.679999,"sentiment":"neutral","sentiment_score":0.060145579278469086},{"text":"Yep.","start":13.679999,"end":14.08,"sentiment":"neutral","sentiment_score":0.03594687581062317},{"text":"You got me?","start":14.08,"end":14.925,"sentiment":"neutral","sentiment_score":0.022234733526905377},{"text":"No.","start":17.965,"end":18.465,"sentiment":"neutral","sentiment_score":-0.019639741629362103}],"sentiment":"neutral","sentiment_score":0.031835016096010804,"num_words":8,"start":12.799999,"end":18.465},{"sentences":[{"text":"How's my day been?","start":20.125,"end":21.345001,"sentiment":"neutral","sentiment_score":-0.002119590062648058},{"text":"Oh, very quite busy, actually.","start":22.445,"end":24.445,"sentiment":"neutral","sentiment_score":-0.10125443488359451},{"text":"Yeah.","start":24.445,"end":24.845001,"sentiment":"neutral","sentiment_score":-0.041837163269519806},{"text":"Yep.","start":24.845001,"end":25.165,"sentiment":"neutral","sentiment_score":-0.02132287621498108},{"text":"I mean, that that I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of the machine operator.","start":25.165,"end":33.22,"sentiment":"neutral","sentiment_score":-0.04482947845262156}],"sentiment":"neutral","sentiment_score":-0.045916482442034744,"num_words":78,"start":20.125,"end":33.22},{"sentences":[{"text":"So we've been yeah.","start":33.84,"end":36.239998,"sentiment":"neutral","sentiment_score":0.01134715965599753},{"text":"We're doing a planned very well, getting ready to to light fires.","start":36.239998,"end":41.78,"sentiment":"neutral","sentiment_score":0.05268831209590038},{"text":"Yeah.","start":42.48,"end":42.735,"sentiment":"neutral","sentiment_score":0.09394267201423644},{"text":"Yeah.","start":45.935,"end":46.435,"sentiment":"neutral","sentiment_score":0.11070004850625992},{"text":"Yeah.","start":46.815002,"end":46.975,"sentiment":"neutral","sentiment_score":0.06875334680080414}],"sentiment":"neutral","sentiment_score":0.0500549711103208,"num_words":19,"start":33.84,"end":46.975},{"sentences":[{"text":"How about you?","start":46.975,"end":48.035,"sentiment":"neutral","sentiment_score":0.0436650055150191},{"text":"Oh, cool.","start":58.160004,"end":58.56,"sentiment":"neutral","sentiment_score":0.16319933533668518},{"text":"And how are you?","start":58.56,"end":59.440002,"sentiment":"neutral","sentiment_score":0.11460384167730808},{"text":"Well yeah.","start":59.440002,"end":68.08,"sentiment":"neutral","sentiment_score":-0.03691365197300911},{"text":"I don't I don't yes.","start":68.08,"end":69.68,"sentiment":"neutral","sentiment_score":-0.17569358348846437}],"sentiment":"neutral","sentiment_score":-0.0022803854662925005,"num_words":16,"start":46.975,"end":69.68},{"sentences":[{"text":"But that's, like, I went and double, triple checked.","start":69.68,"end":72.08,"sentiment":"neutral","sentiment_score":-0.16259730524486965},{"text":"I'm like, no.","start":72.08,"end":72.72,"sentiment":"neutral","sentiment_score":-0.10469076285759608},{"text":"It's just 10.","start":72.72,"end":73.485,"sentiment":"neutral","sentiment_score":-0.07881295929352443},{"text":"I like to check.","start":73.565,"end":74.465004,"sentiment":"neutral","sentiment_score":-0.08289971947669983},{"text":"But 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you.","start":86.445,"end":96.17,"sentiment":"negative","sentiment_score":-0.4827558994293213},{"text":"Yes.","start":99.909996,"end":100.409996,"sentiment":"neutral","sentiment_score":0.12789563834667206},{"text":"Yes.","start":100.549995,"end":101.049995,"sentiment":"neutral","sentiment_score":0.09595629572868349},{"text":"Oh, so well, did you did you get the last few pictures?","start":101.985,"end":104.565,"sentiment":"neutral","sentiment_score":0.07500073468933503},{"text":"I had a bit of a break the last two or three weeks, but I'll thank the last for my name, I might.","start":111.665,"end":117.66,"sentiment":"neutral","sentiment_score":0.023683072756166042}],"sentiment":"neutral","sentiment_score":-0.06721250150114932,"num_words":47,"start":86.445,"end":117.66},{"sentences":[{"text":"Really got an ounce in 24 adults.","start":118.22,"end":120.32001,"sentiment":"neutral","sentiment_score":0.050530719969953806},{"text":"So that's that's yeah.","start":120.380005,"end":123.26,"sentiment":"neutral","sentiment_score":-0.07903536036610603},{"text":"But it just doesn't happen like that all the time.","start":123.26,"end":125.5,"sentiment":"neutral","sentiment_score":-0.30350047945976255},{"text":"It's very hit and miss.","start":125.5,"end":126.700005,"sentiment":"negative","sentiment_score":-0.4346537053585052},{"text":"So yeah.","start":126.700005,"end":129.5,"sentiment":"neutral","sentiment_score":-0.03410374652594328}],"sentiment":"neutral","sentiment_score":-0.18710382914702808,"num_words":28,"start":118.22,"end":129.5},{"sentences":[{"text":"Yeah.","start":129.5,"end":129.82,"sentiment":"neutral","sentiment_score":-0.025142155587673187},{"text":"But yeah.","start":129.82,"end":132.14,"sentiment":"neutral","sentiment_score":-0.04365196451544762},{"text":"Yeah.","start":132.14,"end":132.64,"sentiment":"neutral","sentiment_score":-0.020125320181250572},{"text":"Putting putting that aside with my little my little extra 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they asked about retirement in twenty years' time.","start":193.185,"end":197.525,"sentiment":"neutral","sentiment_score":0.0008950283906112114},{"text":"What are are people gonna have home help?","start":198.78499,"end":200.94,"sentiment":"neutral","sentiment_score":0.0016418651794083416},{"text":"How much money are they gonna need to be able to be cared for?","start":200.94,"end":204.08,"sentiment":"neutral","sentiment_score":-0.0015980320583496774},{"text":"And anyone must anyone must answer was just don't bother saving for it.","start":204.3,"end":209.02,"sentiment":"neutral","sentiment_score":-0.12061231812605491},{"text":"You won't need it in twenty years' time.","start":209.02,"end":211.20001,"sentiment":"neutral","sentiment_score":-0.17736332770437002}],"sentiment":"neutral","sentiment_score":-0.05427934443578124,"num_words":55,"start":193.185,"end":211.20001},{"sentences":[{"text":"I'm like, Friday.","start":213.1,"end":216.705,"sentiment":"neutral","sentiment_score":-0.016656595282256603},{"text":"Are you on?","start":216.705,"end":217.52501,"sentiment":"neutral","sentiment_score":0.005335790415604909},{"text":"Yeah.","start":222.145,"end":222.625,"sentiment":"neutral","sentiment_score":0.07458075881004333},{"text":"Most definitely.","start":222.625,"end":223.445,"sentiment":"neutral","sentiment_score":0.08852611854672432},{"text":"Anyway yeah.","start":224.145,"end":226.005,"sentiment":"neutral","sentiment_score":0.22973038256168365}],"sentiment":"neutral","sentiment_score":0.06155739512971856,"num_words":11,"start":213.1,"end":226.005},{"sentences":[{"text":"Yeah.","start":233.2,"end":233.44,"sentiment":"neutral","sentiment_score":0.14092355966567993},{"text":"I should do.","start":233.44,"end":234.0,"sentiment":"neutral","sentiment_score":0.2194757560888926},{"text":"I'll just get 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purposes?","start":248.015,"end":249.795,"sentiment":"neutral","sentiment_score":0.21447847224771976},{"text":"Yeah.","start":254.75,"end":255.07,"sentiment":"neutral","sentiment_score":0.06540714204311371},{"text":"Yep.","start":255.07,"end":255.55,"sentiment":"neutral","sentiment_score":0.06970112770795822},{"text":"Yep.","start":255.55,"end":255.87001,"sentiment":"neutral","sentiment_score":0.06910648196935654},{"text":"Okay.","start":255.87001,"end":256.37,"sentiment":"neutral","sentiment_score":0.09525154531002045}],"sentiment":"neutral","sentiment_score":0.16794117291768393,"num_words":12,"start":248.015,"end":256.37},{"sentences":[{"text":"Alright.","start":256.43,"end":256.93,"sentiment":"neutral","sentiment_score":0.11666711419820786},{"text":"Well, you I hope you are.","start":257.95,"end":259.79,"sentiment":"neutral","sentiment_score":0.16497820615768433},{"text":"That was a that was a that was a little bit of a laugh with a little bit of a something there.","start":259.79,"end":263.89,"sentiment":"neutral","sentiment_score":0.045420605689287186},{"text":"You're starting to get older and forgetful.","start":299.95502,"end":302.615,"sentiment":"neutral","sentiment_score":-0.263396401490484},{"text":"I need to do that permanently.","start":303.395,"end":304.855,"sentiment":"neutral","sentiment_score":-0.11164586246013641}],"sentiment":"neutral","sentiment_score":-0.009710959735370818,"num_words":42,"start":256.43,"end":304.855},{"sentences":[{"text":"I need to record everything because I I forget what I've done five minutes ago.","start":304.995,"end":308.91998,"sentiment":"neutral","sentiment_score":-0.12738452057043712},{"text":"Oh, god.","start":310.34,"end":311.24,"sentiment":"neutral","sentiment_score":-0.06362850591540337},{"text":"Yeah.","start":311.86,"end":312.36,"sentiment":"neutral","sentiment_score":0.25090286135673523},{"text":"Nathaniel John Bricknell, twenty ninth of the eighth '81.","start":321.365,"end":327.145,"sentiment":"neutral","sentiment_score":0.030727065168321133},{"text":"Address, I hope it's Unit 2 14 McMillan Street.","start":328.645,"end":332.745,"sentiment":"neutral","sentiment_score":0.028863589175873332}],"sentiment":"neutral","sentiment_score":-0.03474461305369106,"num_words":36,"start":304.995,"end":332.745},{"sentences":[{"text":"Oh, Street Street.","start":334.565,"end":336.23,"sentiment":"neutral","sentiment_score":0.06867058699329694},{"text":"Mhmm.","start":343.01,"end":343.51,"sentiment":"neutral","sentiment_score":0.08212782442569733},{"text":"Yeah.","start":343.57,"end":343.89,"sentiment":"neutral","sentiment_score":0.04124093055725098},{"text":"I've opened up.","start":343.89,"end":344.53,"sentiment":"neutral","sentiment_score":0.031100432698925335},{"text":"It just says it's from you, and it says sign 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pieces.","start":4126.725,"end":4131.305,"sentiment":"neutral","sentiment_score":0.01476100188764659},{"text":"It's meant to be myself and of my and my step sisters.","start":4132.085,"end":4135.23,"sentiment":"neutral","sentiment_score":0.19169198287030062},{"text":"And my last conversation, she said, oh, I've gotta go and catch up with my daughter.","start":4135.23,"end":4140.3696,"sentiment":"neutral","sentiment_score":0.0794224880519323}],"sentiment":"neutral","sentiment_score":0.09030107769933415,"num_words":41,"start":4112.63,"end":4140.3696},{"sentences":[{"text":"I'm very clear the will.","start":4140.75,"end":4142.8496,"sentiment":"neutral","sentiment_score":0.16336535066366195},{"text":"And I thought, okay.","start":4142.9097,"end":4144.9897,"sentiment":"neutral","sentiment_score":0.07398629933595657},{"text":"Yeah.","start":4144.9897,"end":4145.15,"sentiment":"neutral","sentiment_score":0.10503217577934264},{"text":"Because I've I've been sat down a few years before and told that I was an executor.","start":4145.15,"end":4149.345,"sentiment":"neutral","sentiment_score":0.01876168676158961},{"text":"There.","start":4149.665,"end":4149.825,"sentiment":"neutral","sentiment_score":0.03251984715461731}],"sentiment":"neutral","sentiment_score":0.05604545173368284,"num_words":28,"start":4140.75,"end":4149.825},{"sentences":[{"text":"So so it sounds okay.","start":4149.825,"end":4151.9253,"sentiment":"neutral","sentiment_score":0.22567716836929322},{"text":"Yeah.","start":4166.2397,"end":4166.48,"sentiment":"neutral","sentiment_score":-0.09362061321735382},{"text":"No.","start":4166.48,"end":4166.7197,"sentiment":"negative","sentiment_score":-0.3602227568626404},{"text":"My car running cost at the start of the January this year.","start":4166.7197,"end":4169.76,"sentiment":"neutral","sentiment_score":-0.25285425533850986},{"text":"So Yeah.","start":4169.76,"end":4191.375,"sentiment":"neutral","sentiment_score":0.04244337230920791}],"sentiment":"neutral","sentiment_score":-0.10832484988939195,"num_words":21,"start":4149.825,"end":4191.375},{"sentences":[{"text":"It's it's it's it's okay.","start":4191.375,"end":4192.76,"sentiment":"neutral","sentiment_score":0.15839813351631166},{"text":"But I'm just I was never expecting anything anyway.","start":4193.38,"end":4196.5996,"sentiment":"neutral","sentiment_score":-0.22025802234808603},{"text":"And and, yeah, it wasn't about that.","start":4198.1797,"end":4200.34,"sentiment":"neutral","sentiment_score":-0.059966207082782476},{"text":"It was just that yeah.","start":4200.34,"end":4202.0996,"sentiment":"neutral","sentiment_score":-0.03172272518277168},{"text":"That they told me.","start":4202.0996,"end":4203.46,"sentiment":"neutral","sentiment_score":-0.08694346807897091}],"sentiment":"neutral","sentiment_score":-0.07054941604534785,"num_words":30,"start":4191.375,"end":4203.46},{"sentences":[{"text":"Then that's it.","start":4203.46,"end":4205.1396,"sentiment":"neutral","sentiment_score":-0.03760840743780136},{"text":"I I read up about it, and I was like, well, I should receive something and be notified.","start":4205.1396,"end":4209.7754,"sentiment":"neutral","sentiment_score":0.04133702918059296},{"text":"And then she made that comment, and I was like, okay.","start":4210.2354,"end":4214.795,"sentiment":"neutral","sentiment_score":-0.03341300243681127},{"text":"Right.","start":4214.795,"end":4215.1953,"sentiment":"neutral","sentiment_score":-0.02519972249865532},{"text":"But yeah.","start":4215.1953,"end":4216.1753,"sentiment":"neutral","sentiment_score":-0.15299082547426224}],"sentiment":"neutral","sentiment_score":-0.0019280884947095599,"num_words":35,"start":4203.46,"end":4216.1753},{"sentences":[{"text":"It it's probably not worth my worry.","start":4216.6353,"end":4218.975,"sentiment":"negative","sentiment_score":-0.5934789606503078},{"text":"Yeah.","start":4220.15,"end":4220.4697,"sentiment":"neutral","sentiment_score":-0.12274600565433502},{"text":"I tried to yeah.","start":4220.4697,"end":4222.63,"sentiment":"neutral","sentiment_score":-0.14948942139744759},{"text":"I don't there's there's no point going if that's how the money was directed and stuff was directed up.","start":4222.63,"end":4228.79,"sentiment":"negative","sentiment_score":-0.4095367946122822},{"text":"I'm not going in there to change it because it's it is what it is, and you just gotta get on with it.","start":4228.79,"end":4233.69,"sentiment":"negative","sentiment_score":-0.37881499658460205}],"sentiment":"negative","sentiment_score":-0.395722230275472,"num_words":54,"start":4216.6353,"end":4233.69},{"sentences":[{"text":"Yes.","start":4249.3003,"end":4249.62,"sentiment":"neutral","sentiment_score":0.003546135500073433},{"text":"Exactly.","start":4249.62,"end":4250.02,"sentiment":"neutral","sentiment_score":0.026374399662017822},{"text":"But hence why I'm talking to you because, you know, I've been doing it doing it my way with and for so long.","start":4250.02,"end":4257.7,"sentiment":"neutral","sentiment_score":-0.008423061444140647},{"text":"So hence why, you know, I'm a little nervous about this.","start":4257.7,"end":4261.06,"sentiment":"neutral","sentiment_score":-0.1888768273321065},{"text":"But but yeah.","start":4261.06,"end":4263.765,"sentiment":"neutral","sentiment_score":-0.006169478719433148}],"sentiment":"neutral","sentiment_score":-0.05794777986832345,"num_words":39,"start":4249.3003,"end":4263.765},{"sentences":[{"text":"Yeah.","start":4263.765,"end":4264.005,"sentiment":"neutral","sentiment_score":0.042518287897109985},{"text":"Because I'm not hanging on.","start":4264.005,"end":4266.985,"sentiment":"neutral","sentiment_score":0.04471893012523651},{"text":"Yeah.","start":4281.54,"end":4282.04,"sentiment":"neutral","sentiment_score":0.2119908481836319},{"text":"So just a quick one.","start":4433.695,"end":4435.715,"sentiment":"neutral","sentiment_score":0.027850314602255823},{"text":"Just say my income of 80,000 a year changed all of the sudden to around a $100,000 a year.","start":4435.855,"end":4443.9497,"sentiment":"neutral","sentiment_score":0.041518182836865127}],"sentiment":"neutral","sentiment_score":0.045361317213504546,"num_words":31,"start":4263.765,"end":4443.9497},{"sentences":[{"text":"Is that gonna be an advantage or a disadvantage?","start":4443.9497,"end":4446.4497,"sentiment":"neutral","sentiment_score":0.001951153286629253},{"text":"Yep.","start":4478.9253,"end":4479.245,"sentiment":"neutral","sentiment_score":0.041579753160476685},{"text":"But if that that so that investment of of mine is going after, that's what I wanted to do.","start":4479.245,"end":4484.5254,"sentiment":"neutral","sentiment_score":0.041382379045611935},{"text":"So yep.","start":4484.5254,"end":4485.665,"sentiment":"neutral","sentiment_score":0.11678601801395416},{"text":"Yeah.","start":4486.5254,"end":4487.0254,"sentiment":"neutral","sentiment_score":0.23430690169334412}],"sentiment":"neutral","sentiment_score":0.0410401335102506,"num_words":32,"start":4443.9497,"end":4487.0254},{"sentences":[{"text":"Yep.","start":4556.9204,"end":4557.4004,"sentiment":"neutral","sentiment_score":0.03383290022611618},{"text":"Okay.","start":4557.4004,"end":4557.8003,"sentiment":"neutral","sentiment_score":0.04531358554959297},{"text":"Yep.","start":4557.8003,"end":4558.12,"sentiment":"neutral","sentiment_score":0.04091799259185791},{"text":"No.","start":4558.12,"end":4558.2803,"sentiment":"neutral","sentiment_score":-0.026359494775533676},{"text":"I get that.","start":4558.2803,"end":4558.8403,"sentiment":"neutral","sentiment_score":0.0034998580813407894}],"sentiment":"neutral","sentiment_score":0.014886365405150823,"num_words":7,"start":4556.9204,"end":4558.8403},{"sentences":[{"text":"Awesome.","start":4558.8403,"end":4559.325,"sentiment":"neutral","sentiment_score":0.27598142623901367},{"text":"Oh, well, I'll just I've held you up for so long again.","start":4559.4053,"end":4562.9453,"sentiment":"neutral","sentiment_score":0.09210325839618842},{"text":"It's hot.","start":4580.54,"end":4581.28,"sentiment":"neutral","sentiment_score":0.0671484749764204},{"text":"What time are you expecting to get home from?","start":4581.34,"end":4593.995,"sentiment":"neutral","sentiment_score":0.00042738056638174586},{"text":"Oh, god.","start":4593.995,"end":4594.555,"sentiment":"neutral","sentiment_score":-0.0213601840659976}],"sentiment":"neutral","sentiment_score":0.05679398207352138,"num_words":26,"start":4558.8403,"end":4594.555},{"sentences":[{"text":"At the office or back at home?","start":4594.555,"end":4596.09,"sentiment":"neutral","sentiment_score":-0.01804268253701074},{"text":"Yep.","start":4602.65,"end":4603.15,"sentiment":"neutral","sentiment_score":0.12392329424619676},{"text":"Yep.","start":4654.31,"end":4654.79,"sentiment":"neutral","sentiment_score":0.16466468572616577},{"text":"That's perfect.","start":4654.79,"end":4655.5103,"sentiment":"positive","sentiment_score":0.5579761862754822},{"text":"I'll I'll read through it, and I probably will have questions for you, but I'll get in touch with you the weekend, probably.","start":4655.5103,"end":4662.97,"sentiment":"neutral","sentiment_score":0.21269118526707526}],"sentiment":"neutral","sentiment_score":0.18147467164432302,"num_words":34,"start":4594.555,"end":4662.97},{"sentences":[{"text":"Thank you again.","start":4697.705,"end":4698.845,"sentiment":"positive","sentiment_score":0.43661628166834515},{"text":"No fees are automatically deducted out of my investment anyway on is Yep.","start":4699.145,"end":4724.165,"sentiment":"neutral","sentiment_score":0.07105926166360195},{"text":"Awesome.","start":4724.165,"end":4724.665,"sentiment":"neutral","sentiment_score":0.31805992126464844},{"text":"Alright.","start":4724.8047,"end":4725.3047,"sentiment":"positive","sentiment_score":0.3459487557411194},{"text":"That is good.","start":4726.965,"end":4727.8447,"sentiment":"positive","sentiment_score":0.4918212095896403}],"sentiment":"neutral","sentiment_score":0.20824245487650236,"num_words":21,"start":4697.705,"end":4727.8447},{"sentences":[{"text":"Alright.","start":4727.8447,"end":4728.2446,"sentiment":"neutral","sentiment_score":0.1297106146812439},{"text":"I'm go I'll go and leave you to anything.","start":4728.2446,"end":4731.12,"sentiment":"neutral","sentiment_score":0.07635815938313802},{"text":"Have you got another client or you're done?","start":4731.66,"end":4733.18,"sentiment":"neutral","sentiment_score":0.024120136629790068},{"text":"You're done.","start":4733.18,"end":4733.58,"sentiment":"neutral","sentiment_score":0.021858486346900463},{"text":"Okay.","start":4733.58,"end":4734.08,"sentiment":"neutral","sentiment_score":-0.0014335699379444122}],"sentiment":"neutral","sentiment_score":0.050103740234460147,"num_words":21,"start":4727.8447,"end":4734.08},{"sentences":[{"text":"Alright.","start":4740.14,"end":4740.64,"sentiment":"neutral","sentiment_score":0.004986280109733343},{"text":"What is it?","start":4741.1,"end":4741.7397,"sentiment":"neutral","sentiment_score":0.0029004570096731186},{"text":"Twenty five thirty up there.","start":4741.7397,"end":4743.435,"sentiment":"neutral","sentiment_score":0.0006918783299624919},{"text":"See, it's, yeah, 23 miles deep.","start":4749.355,"end":4751.455,"sentiment":"neutral","sentiment_score":0.0008899052627384663},{"text":"Yep.","start":4752.395,"end":4752.895,"sentiment":"neutral","sentiment_score":0.017905013635754585}],"sentiment":"neutral","sentiment_score":0.002524468000046909,"num_words":16,"start":4740.14,"end":4752.895},{"sentences":[{"text":"Yep.","start":4760.57,"end":4761.05,"sentiment":"neutral","sentiment_score":0.029193535447120667},{"text":"That's right.","start":4761.05,"end":4761.4497,"sentiment":"neutral","sentiment_score":0.04621049202978611},{"text":"You didn't say.","start":4761.4497,"end":4762.3296,"sentiment":"neutral","sentiment_score":-0.00555688701570034},{"text":"Crikey.","start":4762.3296,"end":4762.8296,"sentiment":"neutral","sentiment_score":-0.016910674050450325},{"text":"Yep.","start":4764.9697,"end":4765.13,"sentiment":"neutral","sentiment_score":0.03512601554393768}],"sentiment":"neutral","sentiment_score":0.015394899994134903,"num_words":8,"start":4760.57,"end":4765.13},{"sentences":[{"text":"Yep.","start":4765.13,"end":4765.29,"sentiment":"neutral","sentiment_score":0.04628411680459976},{"text":"Yep.","start":4765.29,"end":4765.4497,"sentiment":"neutral","sentiment_score":0.054525166749954224},{"text":"You got to the border.","start":4765.4497,"end":4766.67,"sentiment":"neutral","sentiment_score":0.06479145660996437},{"text":"Yay.","start":4776.055,"end":4776.555,"sentiment":"neutral","sentiment_score":0.31730371713638306},{"text":"Alright.","start":4776.6147,"end":4777.1147,"sentiment":"neutral","sentiment_score":0.3012826144695282}],"sentiment":"neutral","sentiment_score":0.115928099801143,"num_words":9,"start":4765.13,"end":4777.1147},{"sentences":[{"text":"Thank you very much, Dana.","start":4777.175,"end":4778.955,"sentiment":"positive","sentiment_score":0.5660921216011048},{"text":"And, yeah, I'll talk soon.","start":4781.0947,"end":4782.555,"sentiment":"neutral","sentiment_score":0.09596727043390274},{"text":"You too.","start":4788.17,"end":4788.65,"sentiment":"positive","sentiment_score":0.5195841789245605},{"text":"I appreciate everything you've done.","start":4788.65,"end":4790.25,"sentiment":"positive","sentiment_score":0.8274378418922425},{"text":"Cheers.","start":4790.25,"end":4790.75,"sentiment":"positive","sentiment_score":0.6704133749008179}],"sentiment":"positive","sentiment_score":0.5087259945770105,"num_words":18,"start":4777.175,"end":4790.75}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hey, Nate. How are you?\n\nChannel 1: Good. Is that you, Diana?\n\nChannel 0: I'm good. How are you? It is Athena from Oakview. Can you hear me okay?\n\nChannel 1: Yeah. Yeah. Yeah. I can.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. You got me?\n\nChannel 0: I do. I've got you loud and clear. How's your\n\nChannel 1: No.\n\nChannel 0: day been?\n\nChannel 1: How's my day been?\n\nChannel 0: Yeah.\n\nChannel 1: Oh, very quite busy, actually. Yeah. Yep. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: that that I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of\n\nChannel 0: Yeah. Right.\n\nChannel 1: the machine operator. So we've\n\nChannel 0: Okay.\n\nChannel 1: been yeah. We're doing a planned very well, getting ready\n\nChannel 0: Yeah.\n\nChannel 1: to to light fires. Yeah.\n\nChannel 0: Nice. Nice. Busy day.\n\nChannel 1: Yeah.\n\nChannel 0: Well,\n\nChannel 1: Yeah. How\n\nChannel 0: I've\n\nChannel 1: about\n\nChannel 0: got\n\nChannel 1: you?\n\nChannel 0: your it's been really busy this week, actually. I've had a interesting week, but it's been good. Busy's been good. It's been productive. So that's the most important part, really.\n\nChannel 1: Oh, cool. And how are you? Well\n\nChannel 0: Yeah. Good. Really well. Thank you. I'm so sorry that I missed your emails the other week.\n\nI don't know what happened, but I couldn't find them anywhere. That was\n\nChannel 1: yeah.\n\nChannel 0: really\n\nChannel 1: I don't I don't yes. But that's, like, I went and\n\nChannel 0: bizarre.\n\nChannel 1: double, triple checked. I'm like, no. It's just 10. I like to check.\n\nChannel 0: That's so weird.\n\nChannel 1: But\n\nChannel 0: I searched\n\nChannel 1: no. No.\n\nChannel 0: for them\n\nChannel 1: There\n\nChannel 0: everywhere.\n\nChannel 1: are, mate.\n\nChannel 0: They weren't coming up. I'm so sorry.\n\nChannel 1: Yeah. And\n\nChannel 0: They might\n\nChannel 1: okay.\n\nChannel 0: have got diverted to, like, one of the junk boxes or something, but that doesn't normally happen with your email. So\n\nChannel 1: Well, I don't I don't know. That's probably what we get for being shaky, so\n\nChannel 0: no. Never. I actually went back to my IT guy and said, just make sure these emails come through because, you know, I don't\n\nChannel 1: you.\n\nChannel 0: wanna don't wanna be missing anything from that. He just sends me lovely pictures of gold all the time.\n\nChannel 1: Yes. Yes. Oh, so well, did you did you get the last few pictures?\n\nChannel 0: I did. I found them eventually. They're fantastic. How's everything going with the prospecting?\n\nChannel 1: I had a bit of a break the last two or three weeks, but\n\nChannel 0: Yep.\n\nChannel 1: I'll thank the last for my name, I might. Really got an ounce in 24 adults. So\n\nChannel 0: Yeah. Wow.\n\nChannel 1: that's that's yeah. But it just doesn't happen like that all the time. It's very hit and miss.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Absolutely. Understandable.\n\nChannel 1: yeah. Yeah. But yeah. Yeah.\n\nChannel 0: Wow.\n\nChannel 1: Putting putting that aside with my little my little extra stuff. I haven't really packed any in. Sometimes I think, oh, maybe I should be the part of the dog, but I don't know. I can't see it going going down. Hey.\n\nIt could go down. I did\n\nChannel 0: It\n\nChannel 1: it some\n\nChannel 0: is\n\nChannel 1: time.\n\nChannel 0: it is a very nice commodity in all honesty. It has been going bank gangbusters for a while. And, look, this year with the amount of volatility we are seeing, again, commodities are really important, and people do want some of them. So I think you're right. I think we're gonna be seeing that for a while to come yet.\n\nSo\n\nChannel 1: Yeah. Yeah. Yeah. What else is\n\nChannel 0: Yeah.\n\nChannel 1: yeah. What else did I say about that? Bloody Elon Musk. He's a nutcase, that's right. Like, I tell you, all these all these CEOs and rich and wealthy people, they're all they're all a little bit they're, you know, they got bit of ADHD or autism or something like I do, like we all do.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But but they're saying it's like, they're weird creatures, some of them. What did he\n\nChannel 0: Yeah.\n\nChannel 1: say the other day? He's getting interviewed, and they asked about retirement in twenty years' time. What are are people gonna have home help? How much money are they gonna need to be able to be cared for? And\n\nChannel 0: Yeah.\n\nChannel 1: anyone must anyone must answer was just don't bother saving for it. You won't need it in twenty years' time. I'm like,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Friday. Are you on?\n\nChannel 0: It'll he's an interesting soul, that one in me.\n\nChannel 1: Yeah. Most definitely.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway\n\nChannel 0: All\n\nChannel 1: yeah.\n\nChannel 0: good. I have your advice document for you. I've emailed it through. Do you have access to your emails there at the moment?\n\nChannel 1: Yeah. I should do. I'll just get in.\n\nChannel 0: You're right. Easy. Just while you're jumping into that, just letting you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to record the rest of the call?\n\nChannel 1: Sure. Go for it.\n\nChannel 0: Fantastic.\n\nChannel 1: Do you really use it for training purposes?\n\nChannel 0: Not really. No. It's more just to make sure that I'm doing my job correctly.\n\nChannel 1: Yeah. Yep. Yep. Okay. Alright.\n\nWell, you I hope you are. That was a that was a that was a\n\nChannel 0: Yeah.\n\nChannel 1: little bit of a laugh with a little bit of a something there.\n\nChannel 0: I am. Don't worry. I'll look after you. No. I also do I also do use it for being able to help me do my file noting.\n\nSo because I do have, like, a lot of people booked in on a daily basis, I can have anywhere from, say, three to six or seven clients to talk to on a daily basis. So you kinda forget some of the conversations that you have. So I do keep the call recordings, and I can put them through a system that helps me to generate my file notes. So I don't have to remember everything about the last conversation. I can kinda prompt myself utilizing the AI file note system.\n\nSo it is pretty cool for that purpose as well.\n\nChannel 1: You're starting to get older and forgetful.\n\nChannel 0: I am.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: need\n\nChannel 0: am.\n\nChannel 1: to do that permanently. I need to record everything because I I forget what I've done five minutes ago. Oh, god. Yeah.\n\nChannel 0: Oh, good. I just have to do security with you as well then. If you can just let me know your full name, date of birth, and address, I should have on file for you.\n\nChannel 1: Nathaniel John Bricknell, twenty ninth of the eighth\n\nChannel 0: Yep.\n\nChannel 1: '81. Address, I hope it's Unit 2 14 McMillan Street.\n\nChannel 0: Yep. That's the one.\n\nChannel 1: Oh, Street Street.\n\nChannel 0: Perfect. Beautiful. Thank you so much for that. Now how's that email pop through to you there? Have you managed to grab that one\n\nChannel 1: Mhmm.\n\nChannel 0: at all?\n\nChannel 1: Yeah. I've opened up. It just says it's from you, and it says sign document.\n\nChannel 0: Yep. So when you click on that button that says sign documents, it should take you through so you can view the statement of advice there.\n\nChannel 1: Yep. Opening up now.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. I got it.\n\nChannel 0: Perfect. So on the first page there, you'll see statement of advice prepared for yourself, Nathaniel Brickner, as of the 03/19/2026, which is today. And it's being completed and organized by myself and my lovely team here at Oakview Financial. My authorized representative number is on the bottom of that for you. It's 1304394.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: If you scroll forward to the next page there, you'll see it does note best interest duty. It's just letting you know there that we take pride in making sure that any advice provided is there to help you meet your goals. We provide advice under the best interest duty, and any advice provided does need to be in your best interest. And through the document here, we do outline a best interest duty on how the recommendations are there are made in your best interest and how they are there to help you meet your goals. Okay?\n\nChannel 1: Yep.\n\nChannel 0: If you scroll down past the table of contents, you've got a couple of pages noting the scope in, scope out section. So areas that we are looking at at the moment are superannuation, looking at helping you make your super work towards your goals. You wanna access super at the age of 60, but you have other goals of being able to retire earlier than that. We've also\n\nChannel 1: Sorry. Sorry.\n\nChannel 0: we've no. You're fine. You cut me off. It's fine. Like, this is your time.\n\nThis is your document. If you need me to stop or you have questions or anything that you wanna add, you let me know. Okay? I'm more than happy for to stop and sort of let you jump in at any point.\n\nChannel 1: Awesome. Thanks.\n\nChannel 0: That's okay. The next section here is about our personal insurances. So you do have your insurances within Aware Super there. We are retaining the income protection component. You're not really worried about life and TPD.\n\nThey don't have any of that anyway. You do also have an employer paid policy that you kinda sent to me. So we have had a good review of that for you, and I've made a recommendation on that one for you.\n\nChannel 1: Yep.\n\nChannel 0: We've got the estate planning side of things in there as well. So you wanna give beneficiaries to be paid to your daughter. She is a minor, but making sure that she receives the benefit. So I have made a recommendation to assist you with that. And we've also got your personal investment side of things.\n\nSo you're hoping to be able to retire earlier than 60, say, between 50 to 55. So you've got some money set aside and wanted to sort of have a goal of drawing down an income of between $6,600 per week to 800 per week. So we've looked at personal investments and how to structure that for you. We have also considered what to do with the investment prop with your land as well. One of those there was something else you asked me to look into was what to do with the land.\n\nSo I have also popped in there a little bit on whether you sell that or not. Okay?\n\nChannel 1: Yep. Oh, no. What have I done?\n\nChannel 0: Perfect. You alright? Are you okay?\n\nChannel 1: Yeah. Yeah. I just I zoomed too far in. All good.\n\nChannel 0: It's all good. All good. And then areas that we've scoped out is just the personal insurance side of things. So you don't have life, TPD, and trauma. You weren't sort of worried too much about about those sorts of options there.\n\nWe've scoped those out of the advice document. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So to make it easier, if you scroll down past the limited advice warning, that's just letting you know that this advice is a limited advice document which goes in and out areas that we are and are not providing advice around. You've also got here that we're not lawyers. So when it comes to the estate planning side of things, we do put a recommendation in there to speak to a solicitor to have a will and power of attorney drawn up, but we don't do those for you. So we can refer you to a solicitor to do for the drawing of a will and power of attorney.\n\nOr if you do have one that you're comfortable working with, that's always fine as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We've also got it in here that under the Better Advice app 2021, I am a qualified relevant tax provider. That essentially means that I'm able to provide financial advice around tax and tax related issues. However, we're not accountants. So we can't do your tax return for you, but we can refer you to a qualified tax accountant should you require the services of one. And we provide advice around personal insurance products, so things like life, TPD, income protection, certain types of business liability insurances.\n\nOther types of insurances are general insurance products, and we don't provide advice around general insurance products, but we can refer you through to a general insurance broker if you require the services of one. All good?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. The next page has the about you section. If you can just run your eyes over that one for me.\n\nChannel 1: About\n\nChannel 0: Just to\n\nChannel 1: you to oh, yeah. Yep.\n\nChannel 0: yeah.\n\nChannel 1: You're\n\nChannel 0: Just let me know if there's been any major changes there at all. Nice pay increase under the sun at all.\n\nChannel 1: The pay increase?\n\nChannel 0: Yeah. Have you got any pay rises?\n\nChannel 1: No. But we finally we have to walk in the streets of Melbourne and rally, and no one knew who the hell we were and just stared at us. But\n\nChannel 0: Oh,\n\nChannel 1: we've\n\nChannel 0: wow.\n\nChannel 1: got a much better deal on the table. They're just finalizing it. I'll get that paid only to January even though they've delayed delayed it by over a year. Yeah. So I will be getting a I think it might be worth about 5 or 6,000 a year, and that should should be getting passed shortly.\n\nChannel 0: Okay. Perfect. Perfect. That'll\n\nChannel 1: Yeah.\n\nChannel 0: be great. Well, when you do, feel free to let us know, and we can always update the advice to reflect for you, okay,\n\nChannel 1: Yep.\n\nChannel 0: if there's\n\nChannel 1: Yep.\n\nChannel 0: any need to. Perfect.\n\nChannel 1: I'm with with marital status. Like, I mean,\n\nChannel 0: Yes.\n\nChannel 1: separated, settlements done, dusted. Can I just be marital status blank?\n\nChannel 0: You can be single if you want.\n\nChannel 1: Yeah. Yeah. Well, yeah, let's\n\nChannel 0: Yep.\n\nChannel 1: just go with that or blank or something.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: That's fine. Not\n\nChannel 1: cool.\n\nChannel 0: a problem at all. Did you want me to update the advice document so it sort\n\nChannel 1: No.\n\nChannel 0: of reflects that to you or just in the back end is fine?\n\nChannel 1: Yeah. Back end. Hell\n\nChannel 0: Yep.\n\nChannel 1: no. Don't don't don't\n\nChannel 0: No.\n\nChannel 1: go\n\nChannel 0: That's\n\nChannel 1: any way just for that.\n\nChannel 0: that's okay. It's honestly not a problem at all. I'll make a note here that moving forward, you'll be known as single until you find the girl of your dreams. Okay?\n\nChannel 1: Thank you. Health status. Good. Love it. Good.\n\nThings don't look. Yeah. Everything's the\n\nChannel 0: Oh.\n\nChannel 1: same.\n\nChannel 0: Everything's good? Yep.\n\nChannel 1: Pretty much. Yep.\n\nChannel 0: Perfect. Excellent. The next page that outlines your assets and liabilities there is double checking to see if there's been any major changes at all. This is from when we did the annual review back in January. So there could be some changes to maybe update there, but I just wasn't really sure if you needed any of those figures updated.\n\nIt's it's really just the savings that kind of reflects in the advice document. But if anything else has changed, I'm happy to update it in the back end for you.\n\nChannel 1: Look. Like, the accounts have probably gone up maybe by three or four thousand\n\nChannel 0: Yep. That's okay.\n\nChannel 1: overall.\n\nChannel 0: That's good.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep.\n\nChannel 0: That's fine. Not a problem at all. Beautiful. And then underneath here, we've also got your superannuation. So we didn't have 24.\n\nAnd Aware, you've got your two balances there reflective as they are when we completed the document there. So 3800578 in Aware super and $292.06 3 and 72¢ and have 24 currently. Okay.\n\nChannel 1: Yep. Would that be due for transfer from Aware into Hub twenty four?\n\nChannel 0: Absolutely. I've updated the document to reflect that, and we are do definitely wanna do a transfer of everything but 10,000. But I just wanted to provide this and update the advice for you first up.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Awesome. Yep.\n\nChannel 0: Perfect. The next page does outline your insurance policies there. The top the top ones are your Aware Super policies. You will see here that the policy for your income protection is noted as two separate, and that is because Aware noted as two separate policies. You do have one income protection.\n\nYou're just paying for the two separate amounts. It's like they were fixed as separate policies in Aware. So when I got your statement through, we had a really good scan of it. Essentially, you're covered for a monthly benefit of about 5,000 that's before income tax is effective. You have a ninety day wait and a five year benefit period.\n\nThey are steps policies. It's just that you just have they're just noted on your statement as two separate policies. So I noted them in here the same way your statement notes them. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And then you've got your VMIA policy as well. This is the employer paid policy there. I had a really good look at the information provided, read the PDF document, went through it all. This is essentially an outline of the policy, and I've got more details below for you.\n\nIt does offer a lump sum benefit. We are limited to knowing exactly what the lump sum is and what it is paid on. It seems to give us, like, a list of different scenarios that the lump sum benefit could be paid out at and how long you need to be have provided service to be able to get that lump sum benefit given the different circumstances. But it does offer a lump sum benefit in the event of certain illnesses or traumatic events or, you know, certain disabilities that might occur.\n\nChannel 1: Yep.\n\nChannel 0: And it also does offer a weekly benefit amount. It doesn't seem to have a waiting period, but it offers that for about a hundred and four weeks. Realistically, both of these policies have a place. This VMIA policy is not necessarily income protection. It's more just a like, a accident benefit, and it's employer paid.\n\nSo it was actually not a bad benefit to keep to have on the side there. So I have noted both of those to give you a bit of information around those. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now to make things easier, I will let you go and have a really good read of the entire document there. But if I can get you to scroll down for me straight to page number. Sorry. I think I've passed it.\n\nChannel 1: Was it the my lifestyle assets and liabilities?\n\nChannel 0: Nope. Nope. There is another I've got\n\nChannel 1: Our\n\nChannel 0: all the\n\nChannel 1: advice to you?\n\nChannel 0: no. I'll get you to scroll down for me, sorry, to page number 25. Yeah.\n\nChannel 1: Woah.\n\nChannel 0: 20\n\nChannel 1: That's\n\nChannel 0: five.\n\nChannel 1: fine. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Oh, good. I'll sort of show you the tables that gives you an outline. I'll\n\nChannel 1: what\n\nChannel 0: talk you through the advice as we're going through these tables here. This just seems to be the best way to kind of explain it so you're looking at the what it is I'm talking about as I'm explaining the advice to you. But then you can also go back later. I've got all the sections individually noted, which is kind of what you're going through at the moment to get to this page. And each of those individual sections out well, outlines the advice as I'm gonna explain it to you.\n\nEach individual section does have the advantages, disadvantages, and the risks involved and any, you know, risks, warnings, and any alternatives I've considered. So I'll run through what I need to with you, and then I'll let you go back and read it all. And then you can always come back to me with additional questions if you need to. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Now the first recommendation that we are making is with regard to the super there. So you were working towards being able to access super at the age of 60. And when we sort of spoke at in January, we did note that some of your underlying investments had been underperforming. So we wanted to do a bit of a revamp of the, portfolio and make sure we're rolling some money out of Aware Super so that the money in hard '24 is working harder for you.\n\nThat way, you're revamping things and removing those under underperforming underperforming investments. I do apologize. Sorry.\n\nChannel 1: You're good.\n\nChannel 0: So what we're gonna do here with regard to the recommendations, so moving all about 10,000 out of Aware, that just leaves you with $10,000 in Aware in the high growth option. There's no need to change that investment option. It does when we look at Aware and Hub 24, it does still keep you in line with your risk profile, which is great. So removing about $28,005.78 and 45¢ from Aware and investing that in the Hub twenty four. Inside Hub twenty four, we're also gonna alter the portfolio some.\n\nSo Ben along Australian Equities, that's the second investment down under the Hub twenty four column. That\n\nChannel 1: Yep.\n\nChannel 0: one there has the one that's been underperforming. That's the one we spoke about. It has held your portfolio back a bit for the last few months. So we have made a decision to remove that completely from the portfolio. So we're selling all of that down.\n\nWithin your hub 24, we're also gonna utilize and because Bennelong has seen some losses within the portfolio, we can utilize that to offset some of the gains and also rebalance your portfolio. So you're not overexposed to any particular area or or overexposing your portfolio to more risk than you need to because it is very volatile at the moment. So aside from selling all of that along there, we're also gonna sell a portion of the battery and lithium pack. We're selling all of the bank hybrids because they're about to be phased out, so we can sell them now whilst we are maneuvering the portfolio and replace that with something else. And, yes, Critical Gold is doing very, very well, but you do have a lot of it right now.\n\nSo we do need to rebalance the portfolio back, and we're gonna sell a little bit of that. You'll still have 6% invested, which is great, and it'll grow more. We're essentially cementing the gains that it has been so we can have that reinvested back into your portfolio and so that money continues to grow. Okay?\n\nChannel 1: Yep.\n\nChannel 0: That beautiful. I thought when I saw the physical gold, I'm\n\nChannel 1: Mhmm.\n\nChannel 0: gonna I'm gonna have to focus on this one a bit because you'll be like, why are we selling gold?\n\nChannel 1: Well well well, it's not a bad price, really.\n\nChannel 0: It's not a bad price. It's a good price. Once we've kinda completed those sell downs there, we're gonna buy into the cybersecurity. So we bring that back up from the 5% to about seven. We're gonna instead of having the core composite bonds, we're gonna hold this, the iShares core composite bond.\n\nSo instead of bank hybrids, we're gonna hold the core composite bond. Essentially, because bank hybrids are being phased out in the future, we're gonna remove them now out of your portfolio so we don't have to at a later time. Core composite bonds, again, are a defensive investment, but this gives you access and exposure to both government and corporate funds, not only here in Australia, but globally as well. So it's giving you diversification. It's a defensive investment, and bonds are really good for income producing.\n\nThey're a bit like term deposits where you put your money into, you know, the bondholder. You give your money to the bondholder. It could be a company or the government. They use that money to either invest in their company or to lend out to other, yes, borrowers if it's like a bank or something. And then they guarantee you, a certain rate of return, a bit like with your term deposit.\n\nYou might get an a a cash rate of, like, 3% on your funds, and at the end of the term, you get your your interest as well as the income, as\n\nChannel 1: Yep.\n\nChannel 0: well as your capital back. The same thing works for bonds. You're essentially giving your money to the government or to the company. They're gonna use it for something internally. They're gonna tell you that you're gonna get this guaranteed rate of return, and then they essentially give you your money back at the end of the term with the interest that you've earned there.\n\nCore composite bonds can also pay coupon payments throughout the term of it. So you might get money back on a monthly, fortnightly, or even your half yearly basis, And that's really good for your portfolio because money earned out of the investments is put back into your cash account and reinvested back into your portfolio. Okay? We've also got the S and P 500. So we are buying a little bit more of that, bringing your portfolio back to 25% there, having some port some bank property to bringing\n\nChannel 1: Cool.\n\nChannel 0: your portfolio back to 5% there. We've got the beta shares Raffy 200. We're still keeping that, buying some more, and bringing you back to 15% there. And because we're removing the Benelong Australian equities, we're gonna buy into the beta shares a 200. This is giving you access to the top 200 companies in Australia.\n\nEssentially, with the a two hundred, it's it's still giving you the exposure into the Australian equities, which is what Bennelong exposure was giving you into. However, Bennelong tends to hold anywhere between, you know, 15 to 30 different companies, whereas the a two hundred is the top 200 companies on the ASX. So you've actually got a little bit more diversification by holding that one. The a two hundred actually pays really good high dividends as well. So receiving dividends out of these investments, again, is good for compounding those dividends.\n\nThe income payments that get paid to your cash account and reinvest it back into your portfolio so that we can compound forward over time. So that's essentially the portfolio, the buyers and sales, and how that will look at the end of it. On the very last column, the target balance there will show you. So you'll end up with the the 10,000 in the high growth portfolio within Aware there. You'll end up with some battery and lithium tech, some physical gold, some we've got some cybersecurity, the core composite bonds, the S and P 500 in The US, and then also some VanEck property, the beta shares Raffy 200, and also the beta shares a 200 at the bottom there.\n\nSo that's what your portfolio will look like once it's all kinda being rebalanced for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: If you scroll down for me to page number 27, I'll show you the fee table because a part of making this decision isn't just about what we're buying and selling and making your portfolio look good. There's also making sure that it's working for you, and the cost of doing so is really important as well. So you'll see here you've got the fee comparison table, and the first column is your current. You've got your hub twenty four with the current balance there. You've got the administration fees, investment fees, no other applicable fees to the fund there.\n\nThe ongoing service fee for our services, there's no contributions in the hub twenty four and no insurance premiums being deducted there. You've also got a where and your current balance there with your administration fees, investment fees noted. There's contributions going in. No adviser fees coming out of the Aware Fund, and the insurance premiums, they're noted as well. Between the two funds at the moment, you are in a growth portfolio, and that growth portfolio over the past three years averaged about 7.5%.\n\nWe've had to use a three year rolling average for this one because, unfortunately, the bank hybrids haven't been around as an investment for five years, so we don't have a five year rolling average for that one. The performance hasn't been bad. Admittedly, this is just an average of how these investments have performed over the past three years. Averagely, we know that some years, you've received a lovely 10 or 15% return. Other years, it might be only 5% return, and this year has been a little bit less just because of what happened with Bannalong there.\n\nBut it's not a bad return and not a bad portfolio to be in. By making the changes that we just went through before, within a way, you'll end up with 10,000 and have 24. We estimate a total starting balance of 318,505. The difference there is 337. Now CDT consequences for going through and changing your portfolio.\n\nSo because Benelong is down, it seems some losses. We're able to offset a lot of the CDT consequences with the losses there. But by rebalancing your portfolio, it's estimated the CGT cost on your super fund, the tax cost will be $337. So this will all be dealt with by your super fund. Your super fund every year does a tax return just like you do in your own personal life, and they will account for that additional cost as part of the tax return that they do for you.\n\nDoes that make sense so far?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. By making the changes above there, you'll actually see the administration fees are different. So the administration fees actually decrease a little bit by a 155. So we can save you, for the first year, a $155 on administration fees.\n\nAnd then by making the switch, you actually save $589 on investment fees. So by removing Benelung, removing the bank hybrids, replacing those two investments, and rebalancing your portfolio, your investment fees actually decrease for the year. So we save you about $589, which is really good because that's money that stays in your portfolio, which is working harder and compounding towards your retirement goals.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Yep. Perfect. Your ongoing service fees do remain there. They are gonna increase a bit because the balance in Hub twenty four is increasing as well.\n\nAs kind of we go through our ongoing service fees, they are 1.65% per annum. It is deducted in smaller monthly increments out of your super. This is showing you the estimated fee for the first year oh, for this year. Sorry. With the ongoing service fee, as it is a percentage based fee, it fluctuates with the market.\n\nSo when our performance or when your performance in your super is doing really well, it means that our fee is gonna be a bit higher as well. However, when the market takes a bit of a dip with the volatility we volatility we are seeing at the moment, we can see those downtimes. So it means that, you know, when the portfolio is not performing as well, when we see downtimes, then our fee is gonna take a bit of a dip there with it as well. So our fee is linked to the performance of your portfolio, which is really important. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. You've got your contribution still going into aware. We'll keep those going into aware. That is really important to retain your income protection for the time being, and then your insurance premiums there as well for your income protection inside Aware. With the changes that we have above that, the still within that growth portfolio range, giving you that eighty twenty split, Making those changes and reevaluating how the portfolio has performed over the past three years, the rolling average is 15.04%.\n\nSo it has seen a greater performance than the previous essentially, the previous portfolio that we're in. We know markets go up and down. I don't expect you to get 15% every year over the next sort of ten years. However, if the market did perform really well and you were able to average that 15% on a yearly basis over the next five to ten years, Underneath that, you can see a projection table that estimates where you could end up. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Do you have any questions so far?\n\nChannel 1: No. But yeah. No.\n\nChannel 0: If you do, you you're fine. There's no such thing as silly question. It doesn't matter what it is. You're welcome to ask it.\n\nChannel 1: Yep. Yep. No. I'm I'm good. So so the projected balance is based off that 15%, did you say?\n\nChannel 0: Yes. Yeah. Correct. So it it takes it takes the initial initial balance. It it takes into account all the fees, your contributions, your insurance premiums, and then it projects with the the five the three year rolling\n\nChannel 1: Yes.\n\nChannel 0: average that we have here. And if you were to obtain that kind of five three year rolling average, sorry, over the next five to ten years, this is where you could end up. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Underneath that, we do also have the annualized returns as of the February 28. So it just shows you how the two different portfolios have performed in comparison to each other. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So that is essentially the super. We are also recommending that you do retain the Aware super as well as the Hub 24. We'll do regular annual rollovers of everything by $1,010,000 dollars. I do wanna see if Aware will allow us to add an opt in form as well just in case anything happens and say you're not working for a period of time without contributions going into Aware. If contributions don't go in for sixteen months, your income protection can cancel.\n\nWhilst there's no risk of that at the moment because you are actually working, I still like to try and sign an opt in form. It's just a sort of a backup protection for Aware for the industry funds to make sure that your insurance is remaining placed. So I'll I'll organize the one to be signed. We'll send it off to them and see if they'll accept it on your behalf for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. When it comes to the best interest duty statements, and you'll see these through in there, essentially, both these recommendations are in your best interest. So the first recommendation to alter the portfolio within Hub 24, it's recommended and designed to reduce the overall investment management fees while maintaining your aligned growth risk profile over the longer term, working towards your goals and objectives. Essentially, lower fees provide a greater sorry. Will allow a greater portion of your superannuation to remain invested in compounding over the longer term, and replacing underperforming investments and the bank hybrids as they are being phased out will allow changes to your portfolio, and the newer portfolio has had a greater rate of return.\n\nSo that can put you in a better position to achieve greater growth over the longer term depending on what the markets do. Okay? Perfect. Retaining aware is in your best interest because you do have your income protection there. Having contributions going in and retaining that income protection is really important for the time being.\n\nSo if anything was to happen, even though you do have some savings set aside there, because we are looking to invest that money, having the income protection provides an extra layer of cover. And while the benefit is probably not, it's a little bit lower than where you would realistically need based on income, it is still providing you with a level of benefit that we can always use to substitute with investment income if we needed to down the track. But having that income protection there is still giving you a level of cover that you wouldn't otherwise have. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Does that all make sense so far?\n\nChannel 1: Yeah. Pretty much. I'm I'm I'm\n\nChannel 0: Yep.\n\nChannel 1: I'm with you. I'm I'm on to it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: That's okay. All good. I'll try to go nice and slow through it all, try to make sure I'm explaining what I need to. You'll get the chance to go back and have a read through it as well. So sometimes it can be hard, and I'm sort of going through the pages and looking at the things I need to to explain it to you, but sometimes it's easier when you go back and you sit down with it and have a bit of a read without me in your ear.\n\nIt can always sort of make a little bit more sense, and then you can always come back and ask me extra questions later on as well.\n\nChannel 1: No. No.\n\nChannel 0: Okay?\n\nChannel 1: Spot on. That is how my brain works, actually. It's like with a lot of things that I learned to do. Yeah. Yep.\n\nI'll\n\nChannel 0: Yep.\n\nChannel 1: let I'll learn it. See you later. Let me let me learn it, and I'll come\n\nChannel 0: Absolutely.\n\nChannel 1: back.\n\nChannel 0: Absolutely.\n\nChannel 1: Thanks. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Hold on.\n\nChannel 0: No.\n\nChannel 1: Hold on.\n\nChannel 0: Perfect. If you scroll down there for me to the next recommendation, this is on page number 22. This is about your employer paid policy. The insurance is there.\n\nChannel 1: Yeah. Trying to hear you, was it?\n\nChannel 0: 22. Yeah.\n\nChannel 1: Yep. Yep. Got\n\nChannel 0: So\n\nChannel 1: it.\n\nChannel 0: this is the VMIA insurance policy. It is an employer paid policy, and it is only offered to essentially workers in your area of work, which is kind of cool. I am recommending, obviously, that you don't, you know, keep it. There's no way for you to cancel it, but it is a really good policy to make sure that you do have access to and are able to retain. It is paid entirely by your employer, so at no cost to you.\n\nThe best insurances are the ones that you don't have to pay for. And it does provide, depending on the circumstances you're in and the accident available, a lump sum benefit of up to 250,000 there. It also does provide a weekly benefit of $2,000. It essentially covers you sorry, for a hundred and four weeks. And this policy is in place until the age of 75.\n\nSo you'll be well and truly retired by the time this policy stops, but it does essentially expire at age 75 for yourself. The benefits to holding this policy are that it provides twenty four seven worldwide coverage, not limited to what sorry. You're right. Are you okay? Can you hear me, Nate?\n\nChannel 1: Yeah. Yeah. You're right.\n\nChannel 0: Yeah. Yeah. All good. My phone my phone just sort of did something a bit weird. So I wasn't sure if I still had you or not.\n\nSorry. No. No. No. My phone did, like, a weird clicking sound, and I wasn't sure if I lost you or not.\n\nThe policy offers twenty four seven worldwide coverage, not limited to workplace accidents. It covers both death and capital benefits. It provides a weekly injury payout, a 100% of salary up to 2,500 per week. The policy we had noted offers a $2,000 benefit. So I'm not sure whether it increases depending on the income at the time of claim, but we've noted essentially what the certificate of currency has on it that we were able to get.\n\nIt does have also includes secondary psychiatric impairment coverage of up to 750,000. This is if caused by a physical injury. It can provide additional benefits to top up work cover or tax claims. It acts as a primary cover if you're not on work cover or a tax claim. It does not prevent you from claiming under any other policies.\n\nSo if you're on this policy, you can also claim from your income protection policies. You can have them working in unison as long as the two policies together, you're not claiming over 70% of your income. Okay?\n\nChannel 1: Yep.\n\nChannel 0: It does have a formal resolution, dispute process if needed, and, essentially, it also it's managed by Decker's injury management team. The disadvantages of retaining this policy are that preexisting medical conditions are not covered. It the cover applies automatically to only those 18 to 75 years of age. Essentially, the policy provides benefits specific to accidents and injury, not general life insurance or standard income protection. So it's not really a life insurance or an income protection policy.\n\nIt's more just an accident benefit in the event of something occurring to you. It's only it's only applied to employees authorized for bushfire management with current medical fitness and role accreditation. So there there any sort of employers that can be covered under this policy. There is a $25 excess for things that aren't Medicare included. So if you have to go and get additional tests or anything that's not covered by Medicare, there is a $25 excess that is payable for those sorts of things.\n\nBut I think they kind of let you know at the time of claim or if there's something that has to be done, how that works for you. Okay? Perfect. So it's actually not a bad policy to keep. It's not a bad policy at all.\n\nAnd, look, honestly, the best kind of insurances are insurances you don't have to pay for. So\n\nChannel 1: Is this phone twenty four seven in work and out of work regardless or just at in work?\n\nChannel 0: it it just says it provides twenty four seven worldwide coverage. So if you have an accident, you can contact them 247, and someone will be able to help you with the claim.\n\nChannel 1: Yeah. Yep. Because I got told that it doesn't matter whether I hurt myself at work or out of work that I'm from trouble.\n\nChannel 0: Yeah. Nice. It didn't tell me any of that on the thing, but, look, I honestly, if you injure yourself, I would give it a go. What's the worst I can say? No.\n\nSo\n\nChannel 1: Yeah. Yeah. Yeah. Exactly. But it's what what we've heard, what what, you know,\n\nChannel 0: yeah.\n\nChannel 1: over the last six months or so, is that doesn't\n\nChannel 0: Perfect.\n\nChannel 1: matter. Yeah. You can crash your bike going for a ride in your own time or something\n\nChannel 0: Perfect.\n\nChannel 1: because that happens or something.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Right. Well, I mean, that's probably gonna tell you if it's possible. Did they claim successfully on the policy?\n\nChannel 1: I've gotta talk to them about that. I'm not sure whether they just what they what they did. So I've still got a cat but they're off work. They've been off work for a while.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Okay.\n\nChannel 1: Check yeah.\n\nChannel 0: Pretty serious. Yeah. No.\n\nChannel 1: We'd\n\nChannel 0: Perfect.\n\nChannel 1: be\n\nChannel 0: Well\n\nChannel 1: sorry.\n\nChannel 0: yeah. You alright?\n\nChannel 1: We'd be aware through for income protection and that. When would we look at getting rid of that? Would we look at getting rid of that at some stage? Because it changes the page, doesn't it?\n\nChannel 0: It does. Yes. So, realistically, if you're hoping to retire around about the age of 50, then we probably won't need to have it any longer than that. So we'll just keep reviewing it as long as we need to. If there's any ever a point that you don't think you want it anymore and you're comfortable canceling it, absolutely, we can do that.\n\nAlternatively, if you stop working at 50 if the investment works the way we want it to and you're able to start working at, say, 50 or 51 and you're no longer working, the policy will be null and void. It won't be any point in keeping it because you won't be able to claim on it by being no no longer employed. So at least at that point, we'll be able to cancel and roll everything over from Aware then for you as well. Okay?\n\nChannel 1: Yep. Yep. And,\n\nChannel 0: Perfect.\n\nChannel 1: of course, that could that's flexible by another three or four years through you.\n\nChannel 0: Yep. Yep.\n\nChannel 1: If\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: That's okay.\n\nChannel 1: expecting them if I was happy to hang on, you know.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah. Yep. Like\n\nChannel 0: Perfect. Easy. If you can scroll down further for me, the next recommendation is around that investment option, and that's on page number 29.\n\nChannel 1: Twenty nine twenty nine. Yep.\n\nChannel 0: Perfect. To make it easier, if you actually scroll down to 37, this has got that same fee comparison table. I can talk you through the recommendation while you're sort of looking at this to make it easier for you, because sometimes having a visual is a little bit easier than all those pages of writing.\n\nChannel 1: Yep. That was page 37.\n\nChannel 0: 37. Yeah. You'll have a fee comparison table there. Yeah. Sorta looks like the one you're super had.\n\nSo I think go down to 38. My apologies. My document has a different page number on it, so you're so sorry. You're absolutely fine. So with this one here, we talked about leaving about 70,000 behind, and you wanted to look at investing about a 160,000 into an investment account so that you could try to hopefully retire a little bit earlier there.\n\nSo we have made a recommendation and looked at with Hub twenty four. So it'll be the with the same provider that your super fund is with. So you can look at your Hub twenty four and see your super and your investment account there in the account there in the one platform to make it easier. We'll start by investing initially a 160,000. Within Hub twenty four, you do have investment fees and administration fees on the investment account as well.\n\nWe do add an adviser fee to this one for the monitoring of the the account. The investment ongoing service fee is 1.1. So it is lower than super, and that's for us looking after it. So we estimate for the first year to be 1,879. And then regular contributions is of $5,400.\n\nOne thing we took did talk about was you were comfortable investing around about $400 on a a monthly basis into the investment on a regular basis to keep it growing, but you were also comfortable with me working at how much you needed to invest in order to meet that goal. We need to increase your contributions to $450 on a monthly basis and have it invested to be able to see it grow to the level it needs to for you to be able to take on those retirement goals and retire before the age of 60. Okay?\n\nChannel 1: I can do that?\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Oh, well, anyway.\n\nChannel 0: Yeah. It's okay. So it's starting with a 160,000, and then dollar cost averaging in on a monthly basis, $450 a month into the investment and keeping that growing. We are looking at a growth portfolio. So if you scroll back there for me, three, to page number 36, you'll see essentially how we'll have these funds invested for you.\n\nVery similar to how your your super is invested. There is a few differences there. So within this investment portfolio, you'll see you still got some beta share cyber security, some India quality ETF, some global health care, some S and P 500, so some US equities. We've got the Rafi 200. We've also got the beta shares a 200 in there.\n\nJPMorgan Global Enhanced Research Equity Fund. This is essentially giving you access to global diversified investments. Diversification is really good, not just having investments in Australia and The US, but diversifying across the globe. So some physical gold, so, again, 8% in physical gold in this portfolio. The iShares yield plus, which is essentially more of a defective kind of investment, giving you access to high quality cash investments that pay good dividends, and then some core composite bonds in there as well.\n\nSo that's essentially where the funds will be split for the 160,000. And back there on page number 38, this is a growth portfolio. So the same sort of portfolio that your super is invested in currently. And looking at the last three year rolling average, this has averaged about 15.75% on a yearly basis. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now the good thing about this investment is that it is an an investment account unlike Super, so you can increase and add additional amounts to it. So if you have some extra money on a monthly or a weekly basis and you wanna add a little bit more in there or increase that from the $4.50, you absolutely can. There's no contributions cap. There's no limits on how much you can put into the investment.\n\nIt's essentially there to try and build so that you can retire a bit earlier and draw some income out of the portfolio. Okay. Essentially, holding this investment and having it work, as long as it provides and if it was able to get this standard rate of return over the next five to six to ten years, you can see below where, essentially, you could end up.\n\nChannel 1: Yep. Does that include my contributions or not?\n\nChannel 0: The 450 the 450 on a week monthly basis. Sorry?\n\nChannel 1: Was it monthly? Yes. Yes. For the project\n\nChannel 0: Yep.\n\nChannel 1: in the projected balance. Does that account\n\nChannel 0: Yep.\n\nChannel 1: for\n\nChannel 0: It absolutely does. Yeah. It\n\nChannel 1: that\n\nChannel 0: takes the original deposit plus the regular\n\nChannel 1: too? Yep.\n\nChannel 0: contribution and the growth rate and then subtracts all the fees out of it.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So it is good. We do understand that markets go up and down. There is a bit of volatility there.\n\nSo this projected balance could alter somewhat. What I wanna do with you is obviously catch up and do our regular reviews and see how things are tracking to make sure that you're on track to do this. There is obviously a risk the markets may not perform the way, say, they have in the past or the way we want them to, and therefore, it might take an extra couple of years before we meet this goal. But we'll keep looking at it, keep tracking at it, see what we need to do, and also the advice as we are moving forward. Essentially, having a look at things, we did look at the age of 50.\n\nAnd if you sort of scroll down to the next page for me, you'll see we've got two drawdown tables. We did look at the projected balance at the age of 50, and if you were to stop working what this looks like based on the projected balance and drawing down regular income of $800 on a weekly basis, Your and we're using a conservative rate of return for the for the projection once you've actually retired. Because when you stop working, you generally don't wanna take as much risk in the market, so we tend to use a lower, more conservative projected figure for growth in that time frame. So you'll see sorry. The five year rolling average that is much lower than what it is above in the table above there.\n\nOkay?\n\nChannel 1: Alright. Cat. Yep.\n\nChannel 0: So if you are if you stop working at the age of 50, if we have this balance here at that time, you'll have admin fees, investment fees, ongoing service fee in the account there, and your regular drawdown on a yearly basis, which works out at $800 on a weekly basis or $41,800 on a yearly basis. If you're drawing that down, essentially, between the age of 50 to 55, we can see there how much the balance has has dropped away by. So it goes from 308 to 156. And, essentially, by ten years, the balance is completely gone. The idea is that this investment money, is there to sort of supplement your income and draw down income so you can survive that ten years between 50 to 55.\n\nThis projection doesn't quite get you there. It doesn't quite meet that goal. So in year nine sorry.\n\nChannel 1: Sorry.\n\nChannel 0: You're right?\n\nChannel 1: 50 to 60 or 50 to 55?\n\nChannel 0: This is 50 to 55.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, sorry.\n\nChannel 1: Yeah.\n\nChannel 0: No. Sorry. 50 to 55 for the five years. The ten year takes you to 60. So it essentially shows the money runs out a little bit before you turn 60 there.\n\nOkay? Because the negative figure yeah.\n\nChannel 1: Yes. I'm reaching\n\nChannel 0: Yeah.\n\nChannel 1: it now. I\n\nChannel 0: So\n\nChannel 1: was just\n\nChannel 0: it really only lasts about nine odd years. You'll have a little bit of residual there, but it's only really lasting about nine years, which is not really what you want. So the next the next page shows you the different outcome. If you're able to hold off to age 51, so long as the markets work the way they want them we want them to, and we end up with this projected outcome or close to with the admin fees, investment fees, ongoing service fee there, and drawing down the same $800 on a weekly basis using that conservative projection growth rate whilst you are drawing down, the funds last a little bit longer there for you. So you can see 50 to 51 to 56, you end up roughly about 209,000 after drawing down and eating away some of it.\n\nAnd then at nine years, this takes you to the age of 60, and there's still a little bit of residual balance there for you as well. So it does look like projected forward. We would need you to wait to age 51 before you access those funds and actually stop working. However, this is utilizing past performance, and we know markets are volatile. So we will check this every year.\n\nWe'll talk about what's happening. We'll look at what your goals are and keep trying to sort of project things at to see where we're tracking, where we're heading. And when you get closer to that fifty fifty one, we can actually sort of have a look at what we're what we're sitting on and how that's gonna look for you and how it's gonna work. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Do you have any questions about that? I know it's a lot. I'm sorry.\n\nI tried to sort of slow it down a bit for you. But is there\n\nChannel 1: I\n\nChannel 0: any\n\nChannel 1: got\n\nChannel 0: questions you wanted to ask? Does that all make sense so far? What are your thoughts\n\nChannel 1: you.\n\nChannel 0: and feelings?\n\nChannel 1: Yeah. Just like, there's a whole lot of an unknown, but they're\n\nChannel 0: There\n\nChannel 1: a way\n\nChannel 0: is. Yes.\n\nChannel 1: it\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: is.\n\nChannel 0: Yep.\n\nChannel 1: Don't bother planning any planning too far ahead.\n\nChannel 0: No. There are there are a lot of uncertainties with the market, but that's the most important part is that we review things on a regular basis. So, you know, having the money invested and building towards your retirement or building towards the option of being able to stop work earlier is still better than not. And if we get to, you know, closer to and we find, hey, it might not work the way we've been hoping. We might have to hold off for another year or two.\n\nYou've still got that extra couple of years up your sleeve because you did sort of note that you were comfortable working to 55 if you had to or even just dropping back a few days a week and we look at partial. So there are other things that we can do. I personally, you know, don't see an issue with where we're tracking. When you sort of look at that, if you look at the contribution over the next sort of because they're looking at the next sort of five years five to six years, if we're putting $450 into the investment on a monthly basis, That's $5,400 there. For a year over six years, there's an extra 32,400 plus a 160,000.\n\nThat gives you a 192. Getting a 5% return on a 192,000 gives you about 9,600. So compounding that over time means you are likely to build growth even at a conservative rate of return, and we just wanna make sure we're checking to see how things are going. Putting the regular amount in on a monthly basis for dollar cost averaging in is really good for risk mitigation as well because you're buying into the investments regardless of the price, whether they're up or down. So when the market is down, you're getting into the market at a a down point where there's a discount in the investment prices, and that can provide a greater level of growth in return as the market comes back and provides recovery.\n\nWhen you put that same amount of money in and the market's up, the prices are higher, you buy less units of the investment. So it's really good to be dollar cost averaging. It spreads your risk level. It helps to improve growth over time, but you're putting money into the market regardless of, you know, what the cost is and helping to average out your returns over the time as well. So there's definitely a benefit to being in the market rather than not, and giving this a go is getting you closer to your goal than sitting in the cash account there.\n\nSo yeah.\n\nChannel 1: Okay. Yep. I love that.\n\nChannel 0: Does that\n\nChannel 1: That does. Quick\n\nChannel 0: make\n\nChannel 1: question. With that, you say, if you hit let's just say I've hit 50 well, 51. For\n\nChannel 0: sense? Yep.\n\nChannel 1: forty one eight hundred drawdown each year. How would I be taking that out each year? As a lump sum, or would I just be taking it out on a fortnightly or monthly basis or whatever?\n\nChannel 0: We can do that however you like. We can do it as a weekly, fortnightly, monthly amount, however you're comfortable with. Generally, taking smaller amounts of money out is easier because you keep more money invested. You can do it as a lump sum once off every year or half year, but it does work out better just to draw a weekly or fortnightly income out in smaller amounts. That way, you keep most of your money invested, and that way, you can obtain greater growth when the markets are performing better.\n\nChannel 1: That's the yeah. That's gonna be my next steps. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's I was after.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. That's one that's that's what I was thinking. So yeah. It'll yeah. Because your lump sum, that's quite a large amount out, and therefore, the investment, you've got less still growing in in that time.\n\nSo\n\nChannel 0: Absolutely.\n\nChannel 1: to tax, I'm just I'm taxed on that than anything else that I that I earn. The same.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah? Yep.\n\nChannel 0: It is. It is. Yeah. So the one thing to remember with the benefit of putting it into the investment account is the money is working harder. Over the longer term, you know, depending on the regardless of what the markets do, whenever you look at investment time frames over ten, twenty, or thirty years, the markets are always up.\n\nOver the longer term, you tend to be up and providing better growth and compounding effect, which is works better than having it sitting in a cash account because inflation tends to either way the buying capacity, and often bank accounts don't give you enough interest to meet inflation. So there are risks also with the cash account there. But the other thing to sort of remember is when you are investing money, you are investing in your own name. So as we are putting money into this investment over time, every year you'll get a tax statement. It'll outline the income and the CDT within the fund, and that will need to be added to your personal tax return.\n\nSo it can increase the amount of tax you are paying as we are building that one. But when you stop working and start your income out, again, the income you receive is taxable. We will not you'll need to account for that when you see your tax agent, but you'll be drawing less out. So, you know, the tax free threshold is 18,200. Drawing $800 on a weekly basis is 41,800 there, so you are lowering your taxable income.\n\nSo you should pay\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: less\n\nChannel 1: I\n\nChannel 0: tax,\n\nChannel 1: think I I\n\nChannel 0: but\n\nChannel 1: think\n\nChannel 0: it is still tax.\n\nChannel 1: that's\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Faster.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. So, yeah, that's\n\nChannel 0: Yeah.\n\nChannel 1: what I was that's what I was hoping. Anything else? Any other work I'd do? But if I've got yeah. Yeah.\n\nIf I've got other like you say, I still had some gold, but then I needed some cash. I can sell\n\nChannel 0: Mhmm.\n\nChannel 1: that. I think I'm I'm not sure. I'd have to look into it when you've got to start, you're meant to say to tell them and pay tax on it.\n\nChannel 0: Yep. The tax free threshold?\n\nChannel 1: No. No. We're like if I if I was to sell stuff to to top it up each year, like, sell some of the gold that I had,\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah. She meant I think she meant to declare it after certain amount, so then it gets passed too.\n\nChannel 0: Right. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: The the\n\nChannel 1: But\n\nChannel 0: the gold. Yeah. Yeah.\n\nChannel 1: yeah. Anyway,\n\nChannel 0: Makes\n\nChannel 1: no. That was right.\n\nChannel 0: yeah.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. That's not a problem at all. So that's essentially with the investment side of things. You're welcome to take it away, have a really good read of it. Take it in and ask me any questions that you might definitely have.\n\nI know our last advice case we provided was on investment. You weren't really in the right space to maybe look at that, so this is a little bit different. But we are also working towards a goal with this one. So, again, any advice we do provide is up to you to decide whether you're comfortable taking or not. I've just done the math to work out the best way to be able to to try and achieve that, and then we work forward with you to keep looking at it, seeing how it's growing, and keep working towards that goal.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now the next recommendation, if you keep scrolling down there for me, is the land. One of the things one of the questions you had was about whether you sell that land or not. I'm saying no. So one of the main reasons is that it could be harder to sell.\n\nProperty and land is not liquid, so it can take time to sell. And, realistically, when I kind of worked out, I've done an estimated of the CGT based on the information we have. It could be different. The expected total CGT could be definitely different, and this is not what you would have to pay. This is just the CGT from the sale of the land.\n\nIt doesn't sort of work out in your benefit to sell it now. As much as it's more money you could have then put into the investment growing, If you're selling this property, you've got the CGT consequences. You might miss out on future growth that it can increase the amount of tax you are paying. It could take, you know, weeks, years, months to sell depending on the market, and you might have to reduce the amount. You might not get what you're after.\n\nSo I've decided it's not worth selling that now. It is better to hold it. If you hold it till after retirement, then, you\n\nChannel 1: Yep.\n\nChannel 0: know, you'll be on more of a lower tax rate, so selling it could have less of a tax consequence for you. So I have recommended to keep hold of that for the time being. Okay?\n\nChannel 1: Yep. That's my that's Lisa. Yep.\n\nChannel 0: Perfect. Perfect. You do have your advantages, disadvantages, and risks involved. The main one thing there that by keeping a hold of the land, there is it could sustain additional growth moving forward, meaning that you could sell it for more when you get down the track. Another conversation we had was that you were possibly looking to hold it to maybe pass down to your daughter and or sell in retirement.\n\nYou have those options by holding on to it. It's there's no guarantees that the land will grow in value. The disadvantages are that you still have to pay your rates and, yeah, and\n\nChannel 1: Yeah.\n\nChannel 0: state taxes on that as moving forward, so that is a disadvantage to keeping it. Capital tied up, if you do have to sell it down the track, it is it can be harder to sell if you need the money quickly. And that's the other thing with, you know, the advantage there is that the land is hard to sell sometimes. It's not always liquid. If you need money fast, it can be difficult to sell.\n\nBut at the same time, depending on, you know, where it is and the market within that area, it could see some substantial growth in the future, and, you know, you might be able to sell it some more down the track and get a greater benefit out of that. Okay?\n\nChannel 1: Yep. So\n\nChannel 0: Yep.\n\nChannel 1: if if if Jay if I would just say, well, to sell it and I put it yeah. You talk about, you know, 1,000,000. I paid what I paid for it, the difference. If I put all of that into the same investment portfolio, this new one that you're designing, what what would that how big an impact would that make?\n\nChannel 0: Mhmm. It would have a bigger impact. You would need to make sure you cover the tax first. So if you were able to sell that for a 100,000, we've got estimated CDT of 37,000. That CDT is then added to your income for the year, which can increase the tax side of things.\n\nI did we did do a little bit of math, and, I mean, it depends on the other deductions, and there's so many other factors with regards to that. But at your marginal tax rate, the CGT bill is a or the income tax is roughly a bit over 11,000 that you would have to pay on that. So you would be you know, have about 11,000 less out of it. It would make it definitely an impact, and having invested in the portfolio would be good. But I don't see my main concern is the amount of tax that you may have to pay for that.\n\nThe amount of tax may not be worth you selling it. And holding this a little bit longer, generally, sort of keeping investments in land and things like that. If you don't have to sell them, we generally try not to because you do end up with higher tax bills, and it can cause a bit of trouble, increases your income, and there's other consequences that can come of that. So\n\nChannel 1: Yep.\n\nChannel 0: if you chose to sell it, absolutely, you could definitely put the money into there. It's just my main concern was adding the increase of tax bill to your current income tax and increasing your income estimates. And then if you've got an investment portfolio on top of that, you're paying CGT and income tax from the investment portfolio. It can increase your tax bill pretty high. So I kind of,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, kind of didn't wanna put that on you. Plus, if you put it up for sale and it doesn't sell quickly, you know, you might still have to reduce the sale cost or sell it at a loss or something like that. So it's it's sort of better just to hold on for the for the time being. And then later down the track, maybe in retirement, if not beforehand, if you don't need to beforehand, then we could maybe look at selling it and seeing what kind of gain you can get for that and how that can benefit you down the track.\n\nChannel 1: Yep. That's cool. In all serious seriousness, sir, I actually\n\nChannel 0: Yeah.\n\nChannel 1: thought I actually thought you're gonna say sell it and add it to the portfolio, but there was a couple of\n\nChannel 0: Yeah.\n\nChannel 1: things I forgot to I I missed with the taxes and\n\nChannel 0: Yeah.\n\nChannel 1: all of that. So yeah. Hey. Yep.\n\nChannel 0: Yeah. Perfect. Realistically, I wouldn't sorta say sell it unless you really have to. If you kinda get to the point where you're you're done with it, you don't really want it anymore, you absolutely can. Just be mindful of the CDT consequences because as much as, you know, you're renting, this is your only sort of property, I couldn't find a way to make it to give it the tax exemption under the main primary residence scenario there.\n\nSo and if you're gonna get an incur increase to your income soon, the amount of income tax you pay goes higher than having investment income as well. So, you know, income that's generated from the investment portfolio plus CDE to account for, but then the sale of this, it could be it could push your tax bill pretty high, and we would not want that in any way, shape, or form. That could have more of a negative impact on your cash flow. So\n\nChannel 1: Yep. No. That's that's yep.\n\nChannel 0: yep. Perfect. Perfect. I've got all the advantages, disadvantages, risks, and also any alternatives in there considered for you as well. And then the last part is with the beneficiary nominations there.\n\nSo one of the big things was making sure that your daughter was able to benefit from your superannuation in the event that anything was to happen to you. I am recommending that we alter your beneficiary nominations and make them a legal personal representative because she is a minor child. Have a will drawn up with a solicitor and have the will drawn up so that it provides those protections for her. So if in the event of passing, having this paid directly to your will, you can then nominate an executor who can, through your will, as so that they can help you have, like, a testament to trust built. And inside that trust, the money can be held.\n\nIt can be distributed however you want so that the money is received and distributed to your daughter in a fashion as per your wishes, but so that she benefits from that money down the track. It can help her with schooling. You know, you could sit there and just be held back so she can hold a will, held over you know, passed to her at a certain age point. You have a lot more control around doing that. Whereas at the moment, based on if anything happened to you as she is a minor, the money doesn't get paid directly to her.\n\nIt can go into trust or it can be paid to a trustee or her guardian. So there are greater benefits for having it paid through your will to minor children so that you have a lot more control over how that money is directed through to your daughter. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. With having the investment as well, if you take on the recommendation, we open that investment account and we do invest that money. Having a will is also gonna be important. But, unlike Super, you don't have beneficiary nominations on investment accounts, so we'll need to make sure that that investment money, even if it's sitting in your bank account, is accounted for as part of your will and that the money is held past your estate and directed where you want it to be. So without having a will, everything goes into probate, and people can come forward and make a claim on the estate, meaning that the funds may not end up where you want them to go.\n\nIt all gets done by a judge. It is done in in accordance with the law, but people can stake a claim on it, and it can be considered. So having a will and power of attorney drawn up is a lot best for your protection as well as the protection of your assets.\n\nChannel 1: Yeah. Yes. Cool. I need to learn about that, WV. Because yeah.\n\nChannel 0: Yep. That's all good.\n\nChannel 1: Yep.\n\nChannel 0: All good.\n\nChannel 1: Do you know\n\nChannel 0: How can\n\nChannel 1: about\n\nChannel 0: I help\n\nChannel 1: Will's?\n\nChannel 0: you?\n\nChannel 1: Do\n\nChannel 0: What\n\nChannel 1: you\n\nChannel 0: was\n\nChannel 1: know\n\nChannel 0: that?\n\nChannel 1: much\n\nChannel 0: Sorry.\n\nChannel 1: do you know much about Will's or or not?\n\nChannel 0: Yeah. It's fair chunk. I'm not a lawyer, but there is a fair a fair bit that we need to know for our job. The best thing I can do is refer you to a solicitor to sit down and talk about what you have, your circumstances, and what you want, and have them help you draw up a will that is, you know, set out in accordance with your wishes and, you know, helps you to meet that that goal of making sure she gets the money in accordance with what with what you want and how you want.\n\nChannel 1: Yeah. Right. Hey. Quickly, this is going\n\nChannel 0: Yeah.\n\nChannel 1: off track. I'm sorry,\n\nChannel 0: You're\n\nChannel 1: but\n\nChannel 0: fine.\n\nChannel 1: you might quickly\n\nChannel 0: Yeah.\n\nChannel 1: answer this for me. If if I was if my my my dad told me I was\n\nChannel 0: Yeah.\n\nChannel 1: his the executive, but he's Will, I'm\n\nChannel 0: Uh-huh.\n\nChannel 1: a few years with his partner. His partner and him sat sat me down and said I was an executor of\n\nChannel 0: Yeah.\n\nChannel 1: the will. Yep. And he's since passed,\n\nChannel 0: Yeah.\n\nChannel 1: and and it's kinda quiet on that side of things. I haven't can it roll over to the partner? And then when when the partner passes, I become the executor, or\n\nChannel 0: Okay.\n\nChannel 1: would I I must have been removed off\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: I would probably have a look into that because if you were\n\nChannel 1: It.\n\nChannel 0: made sole executor, you would have had to have a bit more of a say in how all that was to go. If the if everything had been directed to her, then that's probably why she's received it all. You would need to have a look at the will and how it is set up and drawn. It sounds like you may have been removed as the executor, but it also depends on what the assets are. So, like, depending on how a home is owned and bank accounts is set up, they can automatically so, like, the way everything's set up with me and my husband, if I pass away, everything just reverts to him automatically because of the way we own our home and our joint accounts and everything.\n\nHe is\n\nChannel 1: That's what\n\nChannel 0: he\n\nChannel 1: it's\n\nChannel 0: is part owner of that. Yeah.\n\nChannel 1: that's what it's happening in this case. Yep.\n\nChannel 0: Yeah. Yeah. So then anything outside of those automatics would automatically go to the estate, and then you would need to help, you know, go through those sorts of things. But the other option could be and it's hard to sort of say without seeing how the bill is drawn up. But the other option is depending on how everything is set up for them in, you know, the house and the bank accounts and things like that, if you were executor, then you would have been called upon to sort of help distribute everything.\n\nBut it really just depends upon what the will says, how it is set up, and how all their assets are set up as well, how the house is owned, how the bank account is set up. There's a lot to it.\n\nChannel 1: Yeah. So it does there always have to be an executor?\n\nChannel 0: For a will, yeah, there's gotta be someone that acts as the executor to help because once someone passes away, they have to have a final tax return completed. Any\n\nChannel 1: Yep.\n\nChannel 0: debts that need to be paid out needs to be covered, and an executive needs to take care of those things. An executive can be, say, a family member, a friend, or you can direct a solicitor to be an executive on your behalf as well. So\n\nChannel 1: Yeah. It was meant to be because I've got, obviously, stepfather's pieces.\n\nChannel 0: Yep.\n\nChannel 1: It's\n\nChannel 0: Yep.\n\nChannel 1: meant to be myself and of my and my step sisters. And my last conversation, she said, oh, I've gotta go and catch up with my daughter. I'm very clear the will. And I thought, okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Because I've I've been sat down a few years before and told that I was an executor. There. So\n\nChannel 0: Yeah.\n\nChannel 1: so it sounds okay.\n\nChannel 0: Yeah. It does sound like that might have been the possibility. Yeah. Did you did you kinda get anything out of that site? Because that's where some of that money came from, didn't it?\n\nOh, no. That was from your divorce, wasn't it? The the 160 or the 200?\n\nChannel 1: Yeah. No. My car running cost at the start of the January this year.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: right. Yeah. Yeah. I mean, it may be worth having a conversation with them and saying, hey. Can I help?\n\nWhat's going on? Just sort of touch base and be like, you know, this is something I thought was the case. Is this no longer the case? Can I help you? And just sort of see where things are at.\n\nBecause is your relationship quite well with your dad's partner?\n\nChannel 1: Yeah. It's it's it's it's okay. But I'm just I was never expecting anything anyway.\n\nChannel 0: Yeah.\n\nChannel 1: And and, yeah, it wasn't about that. It was just that yeah. That they told me. Then that's it. I I read up about it, and I was like, well, I should receive something and be\n\nChannel 0: Yeah.\n\nChannel 1: notified. And then she made that comment, and I was like, okay. Right. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. It it's probably not worth my worry. Yeah. I tried to yeah. I don't there's there's no point going if that's how the money was directed and stuff was directed up.\n\nI'm not going in there to change it because it's it is what it is, and you just gotta get on with it.\n\nChannel 0: Yeah. That's exactly right. That's it. Yeah. And and these sorts of time frames can bring the worst out in a lot of people.\n\nIt's a very emotional difficult time for people and yeah. You know? I've seen a lot of her state planning go bad.\n\nChannel 1: Yes. Exactly. But hence why I'm talking to you because, you know, I've been doing it doing it my way\n\nChannel 0: Yeah.\n\nChannel 1: with\n\nChannel 0: Yeah.\n\nChannel 1: and for so long. So hence why, you know, I'm a little nervous about this. But\n\nChannel 0: Absolutely.\n\nChannel 1: but yeah. Yeah. Because I'm\n\nChannel 0: Absolutely.\n\nChannel 1: not hanging\n\nChannel 0: Yeah.\n\nChannel 1: on.\n\nChannel 0: And, look, the good the good thing with having Yeah. And, look, the good the good thing with having a investment account there is if you open it and go forward with the advice and you decide at any point it's not working, you don't really want it, we can always close it and draw the funds back out. It's absolutely fine.\n\nChannel 1: Yeah.\n\nChannel 0: It all the investments are liquid. Unlike your super, the funds aren't locked in there till retirement. You can pull the money out if you decide it's no longer for you. You don't wanna do it anymore. You can take the money out.\n\nObviously, markets go up and down. You could be taking the money out of the down point, which means you could be taking it less, but I would just sort of talk to you, keep working with you to see how you go. But yeah. I mean, I invest in my own name outside of Super, and I honestly love it. I'm investing for the longer term.\n\nI know that I'm you know, it's a bit different for yourself to what I'm doing. I'm really not wanting to access the money in the next couple of years. I'm just sort of putting it in there to see how it goes over the longer term and might access it when I retire a bit. For yourself, it's a little bit different because you have this goal of being able to access through the money sooner. However, if we get to $49.50 and you decide you're taking a bit too risk in the market, it's a bit scary, we can always move you out of the growth portfolio and move you into something a little bit more defensive.\n\nYou don't have to be in the growth portfolio right up into the day you access those funds. More often than not, we tend to reduce the risk level a bit prior to accessing some of that money. If you you can always put more into it. If you say, hey. I've got an extra, you know, 5,000 here or an extra $100 here or there, you can be putting extra money into it to provide greater benefit and sorta help you along a bit more.\n\nPortfolios do work. If you've got a downtime and I go, hey. Look. It's down. Do you wanna throw some more money into it?\n\nYou could always take advantage of those downtimes as well and chuck some more money into it. So unlike your super, there's no caps. You can put as much or as little in as you like, and we just kinda wanna make sure it is working so you you are able to hopefully retire a bit earlier. If we get to, say, 49, fifty, fifty one, and the markets are a bit volatile, it's not really working, we may have to reassess, obviously, the goal of how much you draw out or maybe, you know, look at whether we hold off for a little bit longer. But those are all things that we can talk about down the track, and they're all possibilities.\n\nThere is obviously a lot of unknowns with investing, but, you know, working towards that goal, having the money in the market and investing in a portfolio tends to get you closer to that goal than having it sitting in a bank account earning very little interest. So yeah. But you can always walk away at any point.\n\nChannel 1: So just a quick one. Just\n\nChannel 0: Yeah.\n\nChannel 1: say my income of 80,000 a year changed all of\n\nChannel 0: Yep.\n\nChannel 1: the sudden to around a $100,000 a year. Is that gonna\n\nChannel 0: Yep.\n\nChannel 1: be an advantage or a disadvantage?\n\nChannel 0: Well, realistically, you're still in the same tax bracket. It does mean you're paying more income tax. It could be an advantage. You could be putting you have a bit more money aside to put into the investment. It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax.\n\nSo you could end up with a tax bill as opposed to a refund. So there are advantages and disadvantages to both.\n\nChannel 1: Yep. But if that that so that investment of of mine is going after, that's what I wanted to do. So yep.\n\nChannel 0: Absolutely. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Yep. And there are offsets that you can have. So you get a tax statement when you are invested. You there you get a tax statement every year.\n\nSo your accountant goes through and inputs the information from the tax statement, noting the income, the CGT, but there's also deductions in those statements that they can add as well. So you get ranking credits on dividends. It is income or income tax paid from overseas investments like the S and P 500. There are taxation consequences in, like, The US for investing within The US and things like that. You might get other you know, you might have losses that you might be able to claim against some of the gains to help reduce the income tax payable.\n\nSo there are positives and negatives to each of the situations. There are, you know, things you have to claim when you tax return income wise, but there's also benefits and things that your accountant can use to offset some of those, if not all of the income and CDTs. So it's just I mean, you could start it for a year. We could look at it after your first tax return, see how it's going, see how it's benefiting you. And if you decide you don't wanna do it anymore, we just close and withdraw it all out for you.\n\nChannel 1: Yep. Okay. Yep. No. I get that.\n\nAwesome. Oh, well, I'll just\n\nChannel 0: Cool.\n\nChannel 1: I've held you up for so long again.\n\nChannel 0: No. You're fine. I tell you what, Nate. Every time I book you in, I book you in for a long time, and I cancel out most of my afternoon because there's always a lot to go through, and you're so inquisitive. And I love that.\n\nSo I always make sure I block out the rest of my afternoon for you, so don't worry in any way, shape, or form.\n\nChannel 1: It's hot. What time are you expecting to get home\n\nChannel 0: Well, I finish here at six normally, but this week, I have not left here before seven, and I've actually been working till midnight most nights this week. So\n\nChannel 1: from? Oh, god. At the office or back at home?\n\nChannel 0: no. Back at home. I go home and sit in my little office and plug my computer and then keep plugging away, getting\n\nChannel 1: Yep.\n\nChannel 0: those advice documents sorted and helping our lovely clients along. So I'm actually off work tomorrow. So you've got take some time over the weekend to have a read of the document. Let me know if you do have any questions. You've got my email.\n\nYou can email me. I am technically off tomorrow, but I have a lot of work to do. So I probably will be in and out of my computer around looking after my son and doing the school run. So you can email me any questions you have, and I can talk you through it and see how you're going. All of the advice provided is just advice.\n\nIt is the recommendation, so it's up to you whether you take on all of them, some of them, or none of them. And on the very last page of the advice document, you have a little text box. So if there's any part of the advice you don't wish to proceed with, we just need to write a little blurb in there, and we're happy, you know, not to proceed with anything that you tell us to not proceed with. Okay?\n\nChannel 1: Yep. That's perfect. I'll I'll read through it, and I probably will have questions for you, but I'll get\n\nChannel 0: That's\n\nChannel 1: in touch\n\nChannel 0: okay.\n\nChannel 1: with you the weekend,\n\nChannel 0: Yeah.\n\nChannel 1: probably.\n\nChannel 0: Not a problem at all. Easy. The only other thing to kind of make sure you're aware of is on page 54, it does outline the ongoing service fees there. So it does note down the ongoing service fee. Paid out of super is 1.65%, and then the ongoing service fee paid out of the investment is 1.1%.\n\nIf your balance gets up over 600,000 between the two, at the moment, we do cap that. So if there's any changes to the fee structure, we'll make sure you're aware of it. But this is the fee structure that you're on currently, and the fees are outlined nice and clear for you. Okay?\n\nChannel 1: Thank you again. No fees are\n\nChannel 0: Alright.\n\nChannel 1: automatically deducted out of my investment anyway on\n\nChannel 0: Yep. That's correct. Yeah. They're both percentages, so they both do link to the performance of your your investments\n\nChannel 1: is\n\nChannel 0: and your super. So, again, the same as with the super fee. If anything, if your markets are performing well, the amount we get is a little bit higher. However, if the market does take a bit of a dip, then the amount we receive is a little bit lower as well. Okay?\n\nChannel 1: Yep. Awesome. Alright.\n\nChannel 0: Perfect.\n\nChannel 1: That is good. Alright. I'm go I'll go and leave you to anything. Have you got another client or you're done? You're done.\n\nOkay.\n\nChannel 0: No. No. That is me. I'm gonna do final nights for the afternoon now. That is my last call for the day.\n\nChannel 1: Alright. What is it? Twenty five thirty up there.\n\nChannel 0: It's 2355. Yeah. Yep.\n\nChannel 1: See, it's, yeah, 23 miles deep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. I literally live in New South Wales. I live over the border, so I drive across to Queensland to work every day. So I split myself between time zones.\n\nChannel 1: Yep. That's right. You didn't say. Crikey.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep. Yep. You got to the border.\n\nChannel 0: It is. It is. Now it's all good. It's only for another two weeks, and then we're all back on one time zone again.\n\nChannel 1: Yay. Alright. Thank you very much, Dana.\n\nChannel 0: No worries.\n\nChannel 1: And, yeah, I'll talk soon.\n\nChannel 0: Yep. No worries. You have a good afternoon, Nate. Thank you so much for your time. You have a good weekend.\n\nI'll talk to you soon.\n\nChannel 1: You too. I appreciate everything you've done. Cheers.\n\nChannel 0: No worries. Have a good one. I'll talk to you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.016104817390441895}],"sentiment":"neutral","sentiment_score":0.016104817390441895,"channel":1,"num_words":1,"start":0.79999995,"end":1.3},{"sentences":[{"text":"Hey, Nate.","start":2.48,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.0719972476363182},{"text":"How are you?","start":3.1999998,"end":4.1,"sentiment":"neutral","sentiment_score":0.14975077410538992}],"sentiment":"neutral","sentiment_score":0.11864936351776123,"channel":0,"num_words":5,"start":2.48,"end":4.1},{"sentences":[{"text":"Good.","start":4.72,"end":5.12,"sentiment":"positive","sentiment_score":0.4209555685520172},{"text":"Is that you, Diana?","start":5.12,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2603052593767643}],"sentiment":"neutral","sentiment_score":0.29243532121181487,"channel":1,"num_words":5,"start":4.72,"end":6.8999996},{"sentences":[{"text":"I'm good.","start":7.44,"end":8.16,"sentiment":"positive","sentiment_score":0.43625845015048986},{"text":"How are you?","start":8.16,"end":8.72,"sentiment":"neutral","sentiment_score":0.2694782614707947},{"text":"It is Athena from Oakview.","start":8.72,"end":10.26,"sentiment":"neutral","sentiment_score":0.06277470737695694},{"text":"Can you hear me okay?","start":10.4,"end":11.78,"sentiment":"neutral","sentiment_score":0.041979850828647615}],"sentiment":"neutral","sentiment_score":0.14698163171609244,"channel":0,"num_words":15,"start":7.44,"end":11.78},{"sentences":[{"text":"Yeah.","start":12.24,"end":12.48,"sentiment":"neutral","sentiment_score":0.037352561950683594},{"text":"Yeah.","start":12.48,"end":12.799999,"sentiment":"neutral","sentiment_score":0.03833094611763954},{"text":"Yeah.","start":12.799999,"end":13.12,"sentiment":"neutral","sentiment_score":0.051377635449171066},{"text":"I can.","start":13.12,"end":13.679999,"sentiment":"neutral","sentiment_score":0.060145579278469086}],"sentiment":"neutral","sentiment_score":0.04947046041488647,"channel":1,"num_words":5,"start":12.24,"end":13.679999},{"sentences":[{"text":"Yeah.","start":13.474999,"end":13.974999,"sentiment":"neutral","sentiment_score":0.0433262400329113}],"sentiment":"neutral","sentiment_score":0.0433262400329113,"channel":0,"num_words":1,"start":13.474999,"end":13.974999},{"sentences":[{"text":"Yep.","start":13.679999,"end":14.08,"sentiment":"neutral","sentiment_score":0.03594687581062317},{"text":"You got me?","start":14.08,"end":14.925,"sentiment":"neutral","sentiment_score":0.022234733526905377}],"sentiment":"neutral","sentiment_score":0.025662769097834826,"channel":1,"num_words":4,"start":13.679999,"end":14.925},{"sentences":[{"text":"I do.","start":15.315,"end":15.795,"sentiment":"neutral","sentiment_score":0.06950853951275349},{"text":"I've got you loud and clear.","start":15.795,"end":17.335,"sentiment":"neutral","sentiment_score":0.07633916847407818},{"text":"How's your","start":17.715,"end":18.275,"sentiment":"neutral","sentiment_score":0.01240264205262065}],"sentiment":"neutral","sentiment_score":0.062185737397521736,"channel":0,"num_words":10,"start":15.315,"end":18.275},{"sentences":[{"text":"No.","start":17.965,"end":18.465,"sentiment":"neutral","sentiment_score":-0.019639741629362103}],"sentiment":"neutral","sentiment_score":-0.019639741629362103,"channel":1,"num_words":1,"start":17.965,"end":18.465},{"sentences":[{"text":"day been?","start":18.275,"end":18.935,"sentiment":"neutral","sentiment_score":-0.0245766993612051}],"sentiment":"neutral","sentiment_score":-0.0245766993612051,"channel":0,"num_words":2,"start":18.275,"end":18.935},{"sentences":[{"text":"How's my day been?","start":20.125,"end":21.345001,"sentiment":"neutral","sentiment_score":-0.002119590062648058}],"sentiment":"neutral","sentiment_score":-0.002119590062648058,"channel":1,"num_words":4,"start":20.125,"end":21.345001},{"sentences":[{"text":"Yeah.","start":21.634998,"end":22.134998,"sentiment":"neutral","sentiment_score":-0.01242562849074602}],"sentiment":"neutral","sentiment_score":-0.01242562849074602,"channel":0,"num_words":1,"start":21.634998,"end":22.134998},{"sentences":[{"text":"Oh, very quite busy, actually.","start":22.445,"end":24.445,"sentiment":"neutral","sentiment_score":-0.10125443488359451},{"text":"Yeah.","start":24.445,"end":24.845001,"sentiment":"neutral","sentiment_score":-0.041837163269519806},{"text":"Yep.","start":24.845001,"end":25.165,"sentiment":"neutral","sentiment_score":-0.02132287621498108},{"text":"I mean,","start":25.165,"end":25.485,"sentiment":"neutral","sentiment_score":-0.02910703979432583}],"sentiment":"neutral","sentiment_score":-0.06973847705456945,"channel":1,"num_words":9,"start":22.445,"end":25.485},{"sentences":[{"text":"Yeah.","start":25.314999,"end":25.814999,"sentiment":"neutral","sentiment_score":-0.03114037960767746}],"sentiment":"neutral","sentiment_score":-0.03114037960767746,"channel":0,"num_words":1,"start":25.314999,"end":25.814999},{"sentences":[{"text":"that that I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of","start":25.485,"end":27.425,"sentiment":"neutral","sentiment_score":-0.04724829415640523}],"sentiment":"neutral","sentiment_score":-0.04724829415640523,"channel":1,"num_words":62,"start":25.485,"end":27.425},{"sentences":[{"text":"Yeah.","start":28.06,"end":28.46,"sentiment":"neutral","sentiment_score":-0.01850680634379387},{"text":"Right.","start":28.46,"end":28.96,"sentiment":"neutral","sentiment_score":-0.004290999844670296}],"sentiment":"neutral","sentiment_score":-0.011398903094232082,"channel":0,"num_words":2,"start":28.06,"end":28.96},{"sentences":[{"text":"the machine operator.","start":31.759998,"end":33.22,"sentiment":"neutral","sentiment_score":-0.0053222463466227055},{"text":"So we've","start":33.84,"end":34.879997,"sentiment":"neutral","sentiment_score":-0.001238715078216046}],"sentiment":"neutral","sentiment_score":-0.0036888338392600415,"channel":1,"num_words":5,"start":31.759998,"end":34.879997},{"sentences":[{"text":"Okay.","start":34.78,"end":35.28,"sentiment":"neutral","sentiment_score":0.012824843637645245}],"sentiment":"neutral","sentiment_score":0.012824843637645245,"channel":0,"num_words":1,"start":34.78,"end":35.28},{"sentences":[{"text":"been yeah.","start":34.879997,"end":36.239998,"sentiment":"neutral","sentiment_score":0.023933034390211105},{"text":"We're doing a planned very well, getting 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not necessarily income protection.","start":928.45996,"end":932.39996,"sentiment":"neutral","sentiment_score":0.08444813918322325},{"text":"It's more just a like, a accident benefit, and it's employer paid.","start":932.45996,"end":938.555,"sentiment":"neutral","sentiment_score":0.18499509679774442}],"sentiment":"neutral","sentiment_score":0.21283679961093835,"channel":0,"num_words":56,"start":916.33496,"end":938.555},{"sentences":[{"text":"So it was actually not a bad benefit to keep to have on the side there.","start":938.615,"end":942.695,"sentiment":"positive","sentiment_score":0.4317751061171293},{"text":"So I have noted both of those to give you a bit of information around those.","start":942.695,"end":946.135,"sentiment":"neutral","sentiment_score":0.1957400906831026},{"text":"Okay?","start":946.135,"end":946.635,"sentiment":"neutral","sentiment_score":0.1375897377729416}],"sentiment":"neutral","sentiment_score":0.30841917838111066,"channel":0,"num_words":33,"start":938.615,"end":946.635},{"sentences":[{"text":"Yep.","start":947.11,"end":947.445,"sentiment":"neutral","sentiment_score":0.31728336215019226}],"sentiment":"neutral","sentiment_score":0.31728336215019226,"channel":1,"num_words":1,"start":947.11,"end":947.445},{"sentences":[{"text":"Perfect.","start":948.11005,"end":948.61005,"sentiment":"positive","sentiment_score":0.6336850523948669},{"text":"Now to make things easier, I will let you go and have a really good read of the entire document there.","start":949.07,"end":953.95,"sentiment":"positive","sentiment_score":0.46721006291253225},{"text":"But if I can get you to scroll down for me straight to page number.","start":953.95,"end":958.77,"sentiment":"neutral","sentiment_score":0.12216597373286883},{"text":"Sorry.","start":959.685,"end":960.16504,"sentiment":"neutral","sentiment_score":-0.051060374826192856},{"text":"I think I've passed it.","start":960.16504,"end":962.66504,"sentiment":"neutral","sentiment_score":-0.12110452950000763}],"sentiment":"neutral","sentiment_score":0.2702558827261592,"channel":0,"num_words":43,"start":948.11005,"end":962.66504},{"sentences":[{"text":"Was it the my lifestyle assets and liabilities?","start":965.22003,"end":971.24005,"sentiment":"neutral","sentiment_score":-0.05035980651155114}],"sentiment":"neutral","sentiment_score":-0.05035980651155114,"channel":1,"num_words":8,"start":965.22003,"end":971.24005},{"sentences":[{"text":"Nope.","start":971.22,"end":971.72,"sentiment":"neutral","sentiment_score":-0.03832386061549187},{"text":"Nope.","start":972.89996,"end":973.39996,"sentiment":"neutral","sentiment_score":-0.034426454454660416},{"text":"There is another I've got","start":973.77997,"end":976.01996,"sentiment":"neutral","sentiment_score":-0.021405611000955106}],"sentiment":"neutral","sentiment_score":-0.02568262429641826,"channel":0,"num_words":7,"start":971.22,"end":976.01996},{"sentences":[{"text":"Our","start":975.85504,"end":976.255,"sentiment":"neutral","sentiment_score":-0.01727942004799843}],"sentiment":"neutral","sentiment_score":-0.01727942004799843,"channel":1,"num_words":1,"start":975.85504,"end":976.255},{"sentences":[{"text":"all the","start":976.01996,"end":976.68,"sentiment":"neutral","sentiment_score":-0.012067040428519249}],"sentiment":"neutral","sentiment_score":-0.012067040428519249,"channel":0,"num_words":2,"start":976.01996,"end":976.68},{"sentences":[{"text":"advice to you?","start":976.255,"end":977.315,"sentiment":"neutral","sentiment_score":-0.013741841229299704}],"sentiment":"neutral","sentiment_score":-0.013741841229299704,"channel":1,"num_words":3,"start":976.255,"end":977.315},{"sentences":[{"text":"no.","start":978.5,"end":978.89996,"sentiment":"neutral","sentiment_score":-0.05775264650583267},{"text":"I'll get you to scroll down for me, sorry, to page number 25.","start":978.89996,"end":981.8,"sentiment":"neutral","sentiment_score":-0.014772939065901132},{"text":"Yeah.","start":982.1,"end":982.42,"sentiment":"neutral","sentiment_score":0.02144739031791687}],"sentiment":"neutral","sentiment_score":-0.015223564269642035,"channel":0,"num_words":15,"start":978.5,"end":982.42},{"sentences":[{"text":"Woah.","start":982.17505,"end":982.495,"sentiment":"neutral","sentiment_score":0.05211270600557327}],"sentiment":"neutral","sentiment_score":0.05211270600557327,"channel":1,"num_words":1,"start":982.17505,"end":982.495},{"sentences":[{"text":"20","start":982.42,"end":982.74,"sentiment":"neutral","sentiment_score":0.023537402972579}],"sentiment":"neutral","sentiment_score":0.023537402972579,"channel":0,"num_words":1,"start":982.42,"end":982.74},{"sentences":[{"text":"That's","start":982.495,"end":982.815,"sentiment":"neutral","sentiment_score":0.04472029209136963}],"sentiment":"neutral","sentiment_score":0.04472029209136963,"channel":1,"num_words":1,"start":982.495,"end":982.815},{"sentences":[{"text":"five.","start":982.74,"end":983.235,"sentiment":"neutral","sentiment_score":0.045291557908058167}],"sentiment":"neutral","sentiment_score":0.045291557908058167,"channel":0,"num_words":1,"start":982.74,"end":983.235},{"sentences":[{"text":"fine.","start":982.815,"end":983.315,"sentiment":"neutral","sentiment_score":0.11025916785001756},{"text":"Yep.","start":983.455,"end":983.79,"sentiment":"neutral","sentiment_score":0.12128426879644394}],"sentiment":"neutral","sentiment_score":0.11577171832323074,"channel":1,"num_words":2,"start":982.815,"end":983.79},{"sentences":[{"text":"Yeah.","start":983.71497,"end":984.21497,"sentiment":"neutral","sentiment_score":0.154921293258667}],"sentiment":"neutral","sentiment_score":0.154921293258667,"channel":0,"num_words":1,"start":983.71497,"end":984.21497},{"sentences":[{"text":"So","start":983.79,"end":984.29,"sentiment":"neutral","sentiment_score":0.181839257478714}],"sentiment":"neutral","sentiment_score":0.181839257478714,"channel":1,"num_words":1,"start":983.79,"end":984.29},{"sentences":[{"text":"Oh, good.","start":985.71497,"end":986.535,"sentiment":"positive","sentiment_score":0.3675721287727356},{"text":"I'll sort of show you the tables that gives you an outline.","start":986.915,"end":989.795,"sentiment":"neutral","sentiment_score":0.23253788674871126},{"text":"I'll","start":989.795,"end":989.95496,"sentiment":"neutral","sentiment_score":0.20476850867271423}],"sentiment":"neutral","sentiment_score":0.2486911604801814,"channel":0,"num_words":15,"start":985.71497,"end":989.95496},{"sentences":[{"text":"what","start":989.7975,"end":990.2975,"sentiment":"neutral","sentiment_score":0.2074924409389496}],"sentiment":"neutral","sentiment_score":0.2074924409389496,"channel":1,"num_words":1,"start":989.7975,"end":990.2975},{"sentences":[{"text":"talk you through the advice as we're going through these tables here.","start":989.95496,"end":992.915,"sentiment":"neutral","sentiment_score":0.20375673845410347},{"text":"This just seems to be the best way to kind of explain it so you're looking at the what it is I'm talking about as I'm explaining the advice to you.","start":992.915,"end":1000.03,"sentiment":"neutral","sentiment_score":0.2379831051634204},{"text":"But then you can also go back later.","start":1000.09,"end":1001.85004,"sentiment":"neutral","sentiment_score":0.1180439805611968},{"text":"I've got all the sections individually noted, which is kind of what you're going through at the moment to get to this page.","start":1001.85004,"end":1008.99,"sentiment":"neutral","sentiment_score":0.14206183928510416},{"text":"And each of those individual sections out well, outlines the advice as I'm gonna explain it to you.","start":1009.485,"end":1014.865,"sentiment":"neutral","sentiment_score":0.18193401975764167}],"sentiment":"neutral","sentiment_score":0.18814286549130213,"channel":0,"num_words":92,"start":989.95496,"end":1014.865},{"sentences":[{"text":"Each individual section does have the advantages, disadvantages, and the risks involved and any, you know, risks, warnings, and any alternatives I've considered.","start":1015.245,"end":1025.5901,"sentiment":"neutral","sentiment_score":0.1095848826934462},{"text":"So I'll run through what I need to with you, and then I'll let you go back and read it all.","start":1025.65,"end":1029.65,"sentiment":"neutral","sentiment_score":0.21116705593608676},{"text":"And then you can always come back to me with additional questions if you need to.","start":1029.97,"end":1033.65,"sentiment":"neutral","sentiment_score":0.2046316834166646},{"text":"Okay?","start":1033.65,"end":1034.15,"sentiment":"neutral","sentiment_score":0.13987860083580017}],"sentiment":"neutral","sentiment_score":0.1699827215099921,"channel":0,"num_words":61,"start":1015.245,"end":1034.15},{"sentences":[{"text":"Yep.","start":1034.0751,"end":1034.5751,"sentiment":"neutral","sentiment_score":0.18388311564922333},{"text":"Yep.","start":1034.715,"end":1035.215,"sentiment":"neutral","sentiment_score":0.2765597999095917}],"sentiment":"neutral","sentiment_score":0.2302214577794075,"channel":1,"num_words":2,"start":1034.0751,"end":1035.215},{"sentences":[{"text":"Perfect.","start":1035.345,"end":1035.845,"sentiment":"positive","sentiment_score":0.5649341940879822},{"text":"Now the first recommendation that we are making is with regard to the super there.","start":1036.705,"end":1040.625,"sentiment":"neutral","sentiment_score":0.1662343015273412},{"text":"So you were working towards being able to access super at the age of 60.","start":1040.625,"end":1044.465,"sentiment":"neutral","sentiment_score":0.13541372666756313},{"text":"And when we sort of spoke at in January, we did note that some of your underlying investments had been underperforming.","start":1044.465,"end":1051.02,"sentiment":"neutral","sentiment_score":-0.14916237567861876},{"text":"So we wanted to do a bit of a revamp of the, portfolio and make sure we're rolling some money out of Aware Super so that the money in hard '24 is working harder for you.","start":1051.32,"end":1061.16,"sentiment":"neutral","sentiment_score":-0.07211033650673926}],"sentiment":"neutral","sentiment_score":-0.007258265755477954,"channel":0,"num_words":88,"start":1035.345,"end":1061.16},{"sentences":[{"text":"That way, you're revamping things and removing those under underperforming underperforming investments.","start":1061.4,"end":1067.2649,"sentiment":"neutral","sentiment_score":-0.11047397212435801},{"text":"I do apologize.","start":1067.2649,"end":1068.065,"sentiment":"neutral","sentiment_score":-0.14284767458836237},{"text":"Sorry.","start":1068.065,"end":1068.565,"sentiment":"neutral","sentiment_score":-0.07629092037677765}],"sentiment":"neutral","sentiment_score":-0.11440760060213506,"channel":0,"num_words":16,"start":1061.4,"end":1068.565},{"sentences":[{"text":"You're good.","start":1068.82,"end":1069.5599,"sentiment":"neutral","sentiment_score":0.19555076211690903}],"sentiment":"neutral","sentiment_score":0.19555076211690903,"channel":1,"num_words":2,"start":1068.82,"end":1069.5599},{"sentences":[{"text":"So what we're gonna do here with regard to the recommendations, so moving all about 10,000 out of Aware, that just leaves you with $10,000 in Aware in the high growth option.","start":1070.385,"end":1079.825,"sentiment":"neutral","sentiment_score":0.31231546588242054},{"text":"There's no need to change that investment option.","start":1079.825,"end":1081.8,"sentiment":"neutral","sentiment_score":0.18332614190876484},{"text":"It does when we look at Aware and Hub 24, it does still keep you in line with your risk profile, which is great.","start":1081.9601,"end":1089.3401,"sentiment":"positive","sentiment_score":0.5757211757202944},{"text":"So removing about $28,005.78 and 45¢ from Aware and investing that in the Hub twenty four.","start":1089.4801,"end":1095.9801,"sentiment":"neutral","sentiment_score":0.10258731842041016},{"text":"Inside Hub twenty four, we're also gonna alter the portfolio some.","start":1096.485,"end":1100.085,"sentiment":"neutral","sentiment_score":0.004091888835484331}],"sentiment":"neutral","sentiment_score":0.2984648090476791,"channel":0,"num_words":91,"start":1070.385,"end":1100.085},{"sentences":[{"text":"So Ben along Australian Equities, that's the second investment down under the Hub twenty four column.","start":1100.085,"end":1104.905,"sentiment":"neutral","sentiment_score":-0.0222442977828905},{"text":"That","start":1105.445,"end":1105.6849,"sentiment":"neutral","sentiment_score":-0.02418583631515503}],"sentiment":"neutral","sentiment_score":-0.022358505931847236,"channel":0,"num_words":17,"start":1100.085,"end":1105.6849},{"sentences":[{"text":"Yep.","start":1105.505,"end":1106.005,"sentiment":"neutral","sentiment_score":-0.0254299771040678}],"sentiment":"neutral","sentiment_score":-0.0254299771040678,"channel":1,"num_words":1,"start":1105.505,"end":1106.005},{"sentences":[{"text":"one there has the one that's been underperforming.","start":1105.6849,"end":1107.545,"sentiment":"neutral","sentiment_score":-0.14035097416490316},{"text":"That's the one we spoke about.","start":1108.165,"end":1109.445,"sentiment":"neutral","sentiment_score":-0.16452925403912863},{"text":"It has held your portfolio back a bit for the last few months.","start":1109.445,"end":1112.57,"sentiment":"neutral","sentiment_score":-0.32715759712916154},{"text":"So we have made a decision to remove that completely from the portfolio.","start":1113.0299,"end":1116.33,"sentiment":"neutral","sentiment_score":-0.2780937346128317},{"text":"So we're selling all of that down.","start":1116.47,"end":1118.4099,"sentiment":"neutral","sentiment_score":-0.0942994553063597}],"sentiment":"neutral","sentiment_score":-0.2263478046243495,"channel":0,"num_words":47,"start":1105.6849,"end":1118.4099},{"sentences":[{"text":"Within your hub 24, we're also gonna utilize and because Bennelong has seen some losses within the portfolio, we can utilize that to offset some of the gains and also rebalance your portfolio.","start":1119.75,"end":1131.3151,"sentiment":"neutral","sentiment_score":0.09960237100268855},{"text":"So you're not overexposed to any particular area or or overexposing your portfolio to more risk than you need to because it is very volatile at the moment.","start":1131.375,"end":1140.275,"sentiment":"neutral","sentiment_score":-0.20170694306060405},{"text":"So aside from selling all of that along there, we're also gonna sell a portion of the battery and lithium pack.","start":1140.8601,"end":1146.88,"sentiment":"neutral","sentiment_score":0.03474961185739154},{"text":"We're selling all of the bank hybrids because they're about to be phased out, so we can sell them now whilst we are maneuvering the portfolio and replace that with something else.","start":1147.02,"end":1156.0801,"sentiment":"neutral","sentiment_score":0.008661747247970197},{"text":"And, yes, Critical Gold is doing very, very well, but you do have a lot of it right now.","start":1156.475,"end":1161.035,"sentiment":"neutral","sentiment_score":-0.00455363055593089}],"sentiment":"neutral","sentiment_score":-0.010830957761132404,"channel":0,"num_words":133,"start":1119.75,"end":1161.035},{"sentences":[{"text":"So we do need to rebalance the portfolio back, and we're gonna sell a little bit of that.","start":1161.035,"end":1165.535,"sentiment":"neutral","sentiment_score":-0.08386817605545123},{"text":"You'll still have 6% invested, which is great, and it'll grow more.","start":1165.755,"end":1169.61,"sentiment":"positive","sentiment_score":0.6763663589954376},{"text":"We're essentially cementing the gains that it has been so we can have that reinvested back into your portfolio and so that money continues to grow.","start":1169.61,"end":1178.03,"sentiment":"positive","sentiment_score":0.6680097327782557},{"text":"Okay?","start":1178.09,"end":1178.59,"sentiment":"neutral","sentiment_score":0.26086992025375366}],"sentiment":"positive","sentiment_score":0.4251910896743076,"channel":0,"num_words":57,"start":1161.035,"end":1178.59},{"sentences":[{"text":"Yep.","start":1179.375,"end":1179.875,"sentiment":"neutral","sentiment_score":0.25465717911720276}],"sentiment":"neutral","sentiment_score":0.25465717911720276,"channel":1,"num_words":1,"start":1179.375,"end":1179.875},{"sentences":[{"text":"That beautiful.","start":1180.25,"end":1181.07,"sentiment":"positive","sentiment_score":0.5666063725948334},{"text":"I thought when I saw the physical gold, 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really.","start":1188.83,"end":1191.41,"sentiment":"neutral","sentiment_score":0.2283305608563953}],"sentiment":"neutral","sentiment_score":0.2283305608563953,"channel":1,"num_words":9,"start":1188.83,"end":1191.41},{"sentences":[{"text":"It's not a bad price.","start":1191.475,"end":1192.835,"sentiment":"positive","sentiment_score":0.3495444655418396},{"text":"It's a good price.","start":1192.835,"end":1193.895,"sentiment":"positive","sentiment_score":0.46057427674531937},{"text":"Once we've kinda completed those sell downs there, we're gonna buy into the cybersecurity.","start":1194.9149,"end":1199.015,"sentiment":"neutral","sentiment_score":0.09719143648232732},{"text":"So we bring that back up from the 5% to about seven.","start":1199.395,"end":1203.3601,"sentiment":"neutral","sentiment_score":0.09302457049489021},{"text":"We're gonna instead of having the core composite bonds, we're gonna hold this, the iShares core composite 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diversification.","start":1230.45,"end":1231.83,"sentiment":"neutral","sentiment_score":0.2788285732269287},{"text":"It's a defensive investment, and bonds are really good for income producing.","start":1232.13,"end":1236.1499,"sentiment":"neutral","sentiment_score":0.3156631216406822}],"sentiment":"neutral","sentiment_score":0.14001717323183335,"channel":0,"num_words":88,"start":1209.66,"end":1236.1499},{"sentences":[{"text":"They're a bit like term deposits where you put your money into, you know, the bondholder.","start":1236.21,"end":1241.175,"sentiment":"neutral","sentiment_score":0.12963554030284286},{"text":"You give your money to the bondholder.","start":1241.3151,"end":1242.775,"sentiment":"neutral","sentiment_score":0.09135364847523826},{"text":"It could be a company or the government.","start":1242.8351,"end":1245.015,"sentiment":"neutral","sentiment_score":0.06685323873534799},{"text":"They use that money to either invest in their company or to lend out to other, yes, borrowers if it's like a bank or something.","start":1245.875,"end":1253.095,"sentiment":"neutral","sentiment_score":0.11616995006799698},{"text":"And then they guarantee you, a certain rate of return, a bit like with your term deposit.","start":1253.82,"end":1259.1,"sentiment":"neutral","sentiment_score":0.14910395794055042}],"sentiment":"neutral","sentiment_score":0.11900665932526328,"channel":0,"num_words":73,"start":1236.21,"end":1259.1},{"sentences":[{"text":"You might get an a a cash rate of, like, 3% on your funds, and at the end of the term, you get your your interest as well as the income, as","start":1259.1,"end":1268.2949,"sentiment":"neutral","sentiment_score":0.18853712361305952}],"sentiment":"neutral","sentiment_score":0.18853712361305952,"channel":0,"num_words":32,"start":1259.1,"end":1268.2949},{"sentences":[{"text":"Yep.","start":1268.25,"end":1268.595,"sentiment":"neutral","sentiment_score":0.13485780358314514}],"sentiment":"neutral","sentiment_score":0.13485780358314514,"channel":1,"num_words":1,"start":1268.25,"end":1268.595},{"sentences":[{"text":"well as your capital back.","start":1268.2949,"end":1269.6749,"sentiment":"neutral","sentiment_score":0.16116029918193817},{"text":"The same thing works for bonds.","start":1269.735,"end":1271.1749,"sentiment":"neutral","sentiment_score":0.13852719590067863},{"text":"You're essentially giving your money to the government or to the company.","start":1271.1749,"end":1274.0549,"sentiment":"neutral","sentiment_score":0.13366953593989214},{"text":"They're gonna use it for something internally.","start":1274.0549,"end":1275.995,"sentiment":"neutral","sentiment_score":0.12066404361810003},{"text":"They're gonna tell you that you're gonna get this guaranteed rate of return, and then they essentially give you your money back at the end of the term with the interest that you've earned there.","start":1276.0549,"end":1285.29,"sentiment":"positive","sentiment_score":0.48770646027156284}],"sentiment":"neutral","sentiment_score":0.3254672848834441,"channel":0,"num_words":65,"start":1268.2949,"end":1285.29},{"sentences":[{"text":"Core composite bonds can also pay coupon payments throughout the term of it.","start":1285.6699,"end":1290.23,"sentiment":"positive","sentiment_score":0.37414698188121503},{"text":"So you might get money back on a monthly, fortnightly, or even your half yearly basis, And that's really good for your portfolio because money earned out of the investments is put back into your cash account and reinvested back into your portfolio.","start":1290.23,"end":1303.565,"sentiment":"positive","sentiment_score":0.6336775269619254},{"text":"Okay?","start":1303.945,"end":1304.445,"sentiment":"neutral","sentiment_score":0.300096720457077},{"text":"We've also got the S and P 500.","start":1306.585,"end":1308.685,"sentiment":"neutral","sentiment_score":0.2127939984202385},{"text":"So we are buying a little bit more of that, bringing your portfolio back to 25% there, having some port some bank property to bringing","start":1308.745,"end":1316.75,"sentiment":"neutral","sentiment_score":0.3146742612123489}],"sentiment":"positive","sentiment_score":0.4664594406882922,"channel":0,"num_words":90,"start":1285.6699,"end":1316.75},{"sentences":[{"text":"Cool.","start":1316.6799,"end":1317.1799,"sentiment":"neutral","sentiment_score":0.22665654122829437}],"sentiment":"neutral","sentiment_score":0.22665654122829437,"channel":1,"num_words":1,"start":1316.6799,"end":1317.1799},{"sentences":[{"text":"your portfolio back to 5% there.","start":1316.75,"end":1318.93,"sentiment":"positive","sentiment_score":0.3878406037886937},{"text":"We've got the beta shares Raffy 200.","start":1319.23,"end":1321.39,"sentiment":"neutral","sentiment_score":0.3212165811232158},{"text":"We're still keeping that, buying some more, and bringing you back to 15% there.","start":1321.39,"end":1325.655,"sentiment":"positive","sentiment_score":0.446677884885243},{"text":"And because we're removing the Benelong Australian equities, we're gonna buy into the beta shares a 200.","start":1325.8151,"end":1331.515,"sentiment":"neutral","sentiment_score":0.14913072853403933},{"text":"This is giving you access to the top 200 companies in Australia.","start":1331.735,"end":1335.355,"sentiment":"neutral","sentiment_score":0.2704474988083045}],"sentiment":"neutral","sentiment_score":0.2966007580315428,"channel":0,"num_words":56,"start":1316.75,"end":1335.355},{"sentences":[{"text":"Essentially, with the a two hundred, it's it's still giving you the exposure into the Australian equities, which is what Bennelong exposure was giving you into.","start":1335.975,"end":1344.5,"sentiment":"neutral","sentiment_score":0.16586363630799147},{"text":"However, Bennelong tends to hold anywhere between, you know, 15 to 30 different companies, whereas the a two hundred is the top 200 companies on the ASX.","start":1344.56,"end":1353.1649,"sentiment":"neutral","sentiment_score":0.14477949189367117},{"text":"So you've actually got a little bit more diversification by holding that one.","start":1353.1649,"end":1356.705,"sentiment":"positive","sentiment_score":0.39920609960189235},{"text":"The a two hundred actually pays really good high dividends as well.","start":1357.085,"end":1360.3849,"sentiment":"positive","sentiment_score":0.7278708269198736},{"text":"So receiving dividends out of these investments, again, is good for compounding those dividends.","start":1360.6849,"end":1365.1849,"sentiment":"positive","sentiment_score":0.7096595551286425}],"sentiment":"positive","sentiment_score":0.348705041465228,"channel":0,"num_words":92,"start":1335.975,"end":1365.1849},{"sentences":[{"text":"The income payments that get paid to your cash account and reinvest it back into your portfolio so that we can compound forward over time.","start":1365.245,"end":1372.92,"sentiment":"positive","sentiment_score":0.4909987187385559},{"text":"So that's essentially the portfolio, the buyers and sales, and how that will look at the end of it.","start":1373.06,"end":1377.9601,"sentiment":"positive","sentiment_score":0.45694804505298015},{"text":"On the very last column, the target balance there will show you.","start":1378.18,"end":1381.2201,"sentiment":"neutral","sentiment_score":0.2835182038446267},{"text":"So you'll end up with the the 10,000 in the high growth portfolio within Aware there.","start":1381.2201,"end":1386.005,"sentiment":"positive","sentiment_score":0.4610425913706422},{"text":"You'll end up with some battery and lithium tech, some physical gold, some we've got some cybersecurity, the core composite bonds, the S and P 500 in The US, and then also some VanEck property, the beta shares Raffy 200, and also the beta shares a 200 at the bottom there.","start":1386.2251,"end":1402.72,"sentiment":"neutral","sentiment_score":0.306677193033929}],"sentiment":"positive","sentiment_score":0.38517412664444467,"channel":0,"num_words":123,"start":1365.245,"end":1402.72},{"sentences":[{"text":"So that's what your portfolio will look like once it's all kinda being rebalanced for you.","start":1402.72,"end":1407.2,"sentiment":"positive","sentiment_score":0.45739373937249184},{"text":"Okay?","start":1407.2,"end":1407.7,"sentiment":"neutral","sentiment_score":0.27461695671081543}],"sentiment":"positive","sentiment_score":0.446642163921805,"channel":0,"num_words":17,"start":1402.72,"end":1407.7},{"sentences":[{"text":"Yep.","start":1408.08,"end":1408.58,"sentiment":"neutral","sentiment_score":0.2807849645614624}],"sentiment":"neutral","sentiment_score":0.2807849645614624,"channel":1,"num_words":1,"start":1408.08,"end":1408.58},{"sentences":[{"text":"If you scroll down for me to page number 27, I'll show you the fee table because a part of making this decision isn't just about what we're buying and selling and making your portfolio look good.","start":1409.455,"end":1420.335,"sentiment":"neutral","sentiment_score":0.2953427254750922},{"text":"There's also making sure that it's working for you, and the cost of doing so is really important as well.","start":1420.335,"end":1426.7,"sentiment":"positive","sentiment_score":0.42855048179626465},{"text":"So you'll see here you've got the fee comparison table, and the first column is your current.","start":1427.1599,"end":1432.0399,"sentiment":"neutral","sentiment_score":0.16553613061414046},{"text":"You've got your hub twenty four with the current balance there.","start":1432.0399,"end":1434.9199,"sentiment":"neutral","sentiment_score":0.1695640371604399},{"text":"You've got the administration fees, investment fees, no other applicable fees to the fund there.","start":1434.9199,"end":1440.415,"sentiment":"neutral","sentiment_score":0.13544360448916754}],"sentiment":"neutral","sentiment_score":0.26209663175046444,"channel":0,"num_words":100,"start":1409.455,"end":1440.415},{"sentences":[{"text":"The ongoing service fee for our services, there's no contributions in the hub twenty four and no insurance premiums being deducted there.","start":1440.415,"end":1447.635,"sentiment":"neutral","sentiment_score":0.1754459718411619},{"text":"You've also got a where and your current balance there with your administration fees, investment fees noted.","start":1447.855,"end":1453.22,"sentiment":"neutral","sentiment_score":0.11693510413169861},{"text":"There's contributions going in.","start":1453.28,"end":1455.04,"sentiment":"neutral","sentiment_score":0.13684556260704994},{"text":"No adviser fees coming out of the Aware Fund, and the insurance premiums, they're noted as well.","start":1455.04,"end":1460.26,"sentiment":"neutral","sentiment_score":0.1283495522597257},{"text":"Between the two funds at the moment, you are in a growth portfolio, and that growth portfolio over the past three years averaged about 7.5%.","start":1460.8,"end":1469.555,"sentiment":"neutral","sentiment_score":0.14511054158210754}],"sentiment":"neutral","sentiment_score":0.14358583916636075,"channel":0,"num_words":85,"start":1440.415,"end":1469.555},{"sentences":[{"text":"We've had to use a three year rolling average for this one because, unfortunately, the bank hybrids haven't been around as an investment for five years, so we don't have a five year rolling average for that one.","start":1469.775,"end":1479.42,"sentiment":"neutral","sentiment_score":-0.16819382400104874},{"text":"The performance hasn't been bad.","start":1480.38,"end":1482.14,"sentiment":"neutral","sentiment_score":0.127570441365242},{"text":"Admittedly, this is just an average of how these investments have performed over the past three years.","start":1482.14,"end":1487.9801,"sentiment":"neutral","sentiment_score":0.30647342871217165},{"text":"Averagely, we know that some years, you've received a lovely 10 or 15% return.","start":1487.9801,"end":1492.4801,"sentiment":"positive","sentiment_score":0.35528115928173065},{"text":"Other years, it might be only 5% return, and this year has been a little bit less just because of what happened with Bannalong there.","start":1492.6849,"end":1499.825,"sentiment":"neutral","sentiment_score":-0.02740227445960045}],"sentiment":"neutral","sentiment_score":0.037832470215631256,"channel":0,"num_words":99,"start":1469.775,"end":1499.825},{"sentences":[{"text":"But it's not a bad return and not a bad portfolio to be in.","start":1500.525,"end":1503.905,"sentiment":"positive","sentiment_score":0.3687346157218729},{"text":"By making the changes that we just went through before, within a way, you'll end up with 10,000 and have 24.","start":1503.965,"end":1510.3999,"sentiment":"neutral","sentiment_score":0.2027044722012111},{"text":"We estimate a total starting balance of 318,505.","start":1510.3999,"end":1515.86,"sentiment":"neutral","sentiment_score":0.09092735638841987},{"text":"The difference there is 337.","start":1516.3999,"end":1518.64,"sentiment":"neutral","sentiment_score":0.010174565389752388},{"text":"Now CDT consequences for going through and changing your portfolio.","start":1518.64,"end":1523.025,"sentiment":"neutral","sentiment_score":-0.048339083790779114}],"sentiment":"neutral","sentiment_score":0.16748240304275833,"channel":0,"num_words":58,"start":1500.525,"end":1523.025},{"sentences":[{"text":"So because Benelong is down, it seems some losses.","start":1523.5651,"end":1526.205,"sentiment":"neutral","sentiment_score":-0.05262432247400284},{"text":"We're able to offset a lot of the CDT consequences with the losses there.","start":1526.205,"end":1530.785,"sentiment":"neutral","sentiment_score":0.13275579522762979},{"text":"But by rebalancing your portfolio, it's estimated the CGT cost on your super fund, the tax cost will be $337.","start":1530.925,"end":1538.62,"sentiment":"neutral","sentiment_score":0.09734740611165763},{"text":"So this will all be dealt with by your super fund.","start":1538.84,"end":1541.4,"sentiment":"neutral","sentiment_score":0.1366875639015978},{"text":"Your super fund every year does a tax return just like you do in your own personal life, and they will account for that additional cost as part of the tax return that they do for you.","start":1541.4,"end":1551.395,"sentiment":"neutral","sentiment_score":0.2888554499761478}],"sentiment":"neutral","sentiment_score":0.17058379346361527,"channel":0,"num_words":91,"start":1523.5651,"end":1551.395},{"sentences":[{"text":"Does that make sense so far?","start":1551.395,"end":1552.935,"sentiment":"neutral","sentiment_score":0.18399388094743094}],"sentiment":"neutral","sentiment_score":0.18399388094743094,"channel":0,"num_words":6,"start":1551.395,"end":1552.935},{"sentences":[{"text":"Yep.","start":1553.3,"end":1553.8,"sentiment":"neutral","sentiment_score":0.17289583384990692}],"sentiment":"neutral","sentiment_score":0.17289583384990692,"channel":1,"num_words":1,"start":1553.3,"end":1553.8},{"sentences":[{"text":"Yep.","start":1554.1951,"end":1554.5951,"sentiment":"neutral","sentiment_score":0.2689778506755829},{"text":"Perfect.","start":1554.5951,"end":1555.0951,"sentiment":"positive","sentiment_score":0.6244955062866211},{"text":"By making the changes above there, you'll actually see the administration fees are different.","start":1556.115,"end":1561.5751,"sentiment":"neutral","sentiment_score":0.32348527546439854},{"text":"So the administration fees actually decrease a little bit by a 155.","start":1561.62,"end":1566.1,"sentiment":"positive","sentiment_score":0.3485320632656415},{"text":"So we can save you, for the first year, a $155 on administration fees.","start":1566.1,"end":1571.32,"sentiment":"positive","sentiment_score":0.5883866186652865}],"sentiment":"positive","sentiment_score":0.4248110627134641,"channel":0,"num_words":42,"start":1554.1951,"end":1571.32},{"sentences":[{"text":"And then by making the switch, you actually save $589 on investment fees.","start":1571.86,"end":1577.595,"sentiment":"positive","sentiment_score":0.5616143575081458},{"text":"So by removing Benelung, removing the bank hybrids, replacing those two investments, and rebalancing your portfolio, your investment fees actually decrease for the year.","start":1577.9149,"end":1586.895,"sentiment":"neutral","sentiment_score":0.28035617371400195},{"text":"So we save you about $589, which is really good because that's money that stays in your portfolio, which is working harder and compounding towards your retirement goals.","start":1587.115,"end":1596.2799,"sentiment":"positive","sentiment_score":0.7102667540311813}],"sentiment":"positive","sentiment_score":0.5218000604556157,"channel":0,"num_words":65,"start":1571.86,"end":1596.2799},{"sentences":[{"text":"Yep.","start":1596.705,"end":1597.205,"sentiment":"neutral","sentiment_score":0.17026029527187347}],"sentiment":"neutral","sentiment_score":0.17026029527187347,"channel":1,"num_words":1,"start":1596.705,"end":1597.205},{"sentences":[{"text":"Okay?","start":1596.74,"end":1597.24,"sentiment":"neutral","sentiment_score":0.1208553910255432},{"text":"Yep.","start":1597.62,"end":1598.1,"sentiment":"neutral","sentiment_score":0.21429920196533203},{"text":"Perfect.","start":1598.1,"end":1598.6,"sentiment":"positive","sentiment_score":0.4844968318939209},{"text":"Your ongoing service fees do remain there.","start":1599.62,"end":1601.62,"sentiment":"neutral","sentiment_score":0.1840004793235234},{"text":"They are gonna increase a bit because the balance in Hub twenty four is increasing as well.","start":1601.62,"end":1606.065,"sentiment":"neutral","sentiment_score":0.18075785040855408}],"sentiment":"neutral","sentiment_score":0.19187178655906958,"channel":0,"num_words":27,"start":1596.74,"end":1606.065},{"sentences":[{"text":"As kind of we go through our ongoing service fees, they are 1.65% per annum.","start":1606.5449,"end":1611.2849,"sentiment":"neutral","sentiment_score":0.08086786319812139},{"text":"It is deducted in smaller monthly increments out of your super.","start":1611.6649,"end":1614.865,"sentiment":"neutral","sentiment_score":0.10297147049145265},{"text":"This is showing you the estimated fee for the first year oh, for this year.","start":1614.865,"end":1619.2649,"sentiment":"neutral","sentiment_score":0.06974034855763117},{"text":"Sorry.","start":1619.2649,"end":1619.7649,"sentiment":"neutral","sentiment_score":-0.15758004784584043},{"text":"With the ongoing service fee, as it is a percentage based fee, it fluctuates with the market.","start":1620.5399,"end":1625.0199,"sentiment":"neutral","sentiment_score":-0.15106002570075147}],"sentiment":"neutral","sentiment_score":0.011291675711587325,"channel":0,"num_words":59,"start":1606.5449,"end":1625.0199},{"sentences":[{"text":"So when our performance or when your performance in your super is doing really well, it means that our fee is gonna be a bit higher as well.","start":1625.0199,"end":1631.2,"sentiment":"neutral","sentiment_score":-0.09776609830026116},{"text":"However, when the market takes a bit of a dip with the volatility we volatility we are seeing at the moment, we can see those downtimes.","start":1631.2599,"end":1637.825,"sentiment":"neutral","sentiment_score":-0.17451952713040206},{"text":"So it means that, you know, when the portfolio is not performing as well, when we see downtimes, then our fee is gonna take a bit of a dip there with it as well.","start":1638.445,"end":1646.125,"sentiment":"neutral","sentiment_score":-0.13818494120941444},{"text":"So our fee is linked to the performance of your portfolio, which is really important.","start":1646.125,"end":1651.05,"sentiment":"neutral","sentiment_score":0.022463827580213546},{"text":"Okay?","start":1651.3501,"end":1651.8501,"sentiment":"neutral","sentiment_score":0.05918625369668007}],"sentiment":"neutral","sentiment_score":-0.1113182960722882,"channel":0,"num_words":104,"start":1625.0199,"end":1651.8501},{"sentences":[{"text":"Yep.","start":1652.37,"end":1652.87,"sentiment":"neutral","sentiment_score":0.17352525889873505}],"sentiment":"neutral","sentiment_score":0.17352525889873505,"channel":1,"num_words":1,"start":1652.37,"end":1652.87},{"sentences":[{"text":"Perfect.","start":1653.3501,"end":1653.8501,"sentiment":"positive","sentiment_score":0.43976277112960815},{"text":"You've got your contribution still going into aware.","start":1654.39,"end":1656.79,"sentiment":"neutral","sentiment_score":0.2584898453205824},{"text":"We'll keep those going into aware.","start":1656.79,"end":1658.2301,"sentiment":"neutral","sentiment_score":0.21607236564159393},{"text":"That is really important to retain your income protection for the time being, and then your insurance premiums there as well for your income protection inside Aware.","start":1658.2301,"end":1666.765,"sentiment":"neutral","sentiment_score":0.21685910004156608},{"text":"With the changes that we have above that, the still within that growth portfolio range, giving you that eighty twenty split, Making those changes and reevaluating how the portfolio has performed over the past three years, the rolling average is 15.04%.","start":1667.225,"end":1683.8701,"sentiment":"neutral","sentiment_score":0.1661552170791277}],"sentiment":"neutral","sentiment_score":0.1984539196254259,"channel":0,"num_words":83,"start":1653.3501,"end":1683.8701},{"sentences":[{"text":"So it has seen a greater performance than the previous essentially, the previous portfolio that we're in.","start":1683.93,"end":1690.155,"sentiment":"neutral","sentiment_score":0.22031535646494696},{"text":"We know markets go up and down.","start":1690.7151,"end":1692.155,"sentiment":"neutral","sentiment_score":-0.06533559837511607},{"text":"I don't expect you to get 15% every year over the next sort of ten years.","start":1692.155,"end":1696.155,"sentiment":"neutral","sentiment_score":-0.18631352670490742},{"text":"However, if the market did perform really well and you were able to average that 15% on a yearly basis over the next five to ten years, Underneath that, you can see a projection table that estimates where you could end up.","start":1696.155,"end":1708.3099,"sentiment":"neutral","sentiment_score":0.18968297789494196},{"text":"Okay.","start":1708.45,"end":1708.95,"sentiment":"neutral","sentiment_score":0.11719633638858797}],"sentiment":"neutral","sentiment_score":0.10109490183103516,"channel":0,"num_words":83,"start":1683.93,"end":1708.95},{"sentences":[{"text":"Yep.","start":1709.8701,"end":1710.3701,"sentiment":"neutral","sentiment_score":0.14442585408687592}],"sentiment":"neutral","sentiment_score":0.14442585408687592,"channel":1,"num_words":1,"start":1709.8701,"end":1710.3701},{"sentences":[{"text":"Perfect.","start":1710.85,"end":1711.35,"sentiment":"neutral","sentiment_score":0.2861538231372833},{"text":"Do you have any questions so far?","start":1711.41,"end":1713.27,"sentiment":"neutral","sentiment_score":0.12209980349455561}],"sentiment":"neutral","sentiment_score":0.14260655594989657,"channel":0,"num_words":8,"start":1710.85,"end":1713.27},{"sentences":[{"text":"No.","start":1716.275,"end":1716.775,"sentiment":"neutral","sentiment_score":-0.026921648532152176},{"text":"But yeah.","start":1717.395,"end":1718.035,"sentiment":"neutral","sentiment_score":0.0031098704785108566},{"text":"No.","start":1718.035,"end":1718.535,"sentiment":"neutral","sentiment_score":-0.022132407873868946}],"sentiment":"neutral","sentiment_score":-0.010708578862249851,"channel":1,"num_words":4,"start":1716.275,"end":1718.535},{"sentences":[{"text":"If you do, you you're fine.","start":1720.385,"end":1721.985,"sentiment":"neutral","sentiment_score":0.13837370152274767},{"text":"There's no such thing as silly question.","start":1721.985,"end":1723.585,"sentiment":"neutral","sentiment_score":-0.07203425520232745},{"text":"It doesn't matter what it is.","start":1723.585,"end":1724.705,"sentiment":"neutral","sentiment_score":0.06102105292181174},{"text":"You're welcome to ask it.","start":1724.705,"end":1726.245,"sentiment":"neutral","sentiment_score":0.2723630368709564}],"sentiment":"neutral","sentiment_score":0.08558099685857694,"channel":0,"num_words":24,"start":1720.385,"end":1726.245},{"sentences":[{"text":"Yep.","start":1726.5299,"end":1726.9299,"sentiment":"neutral","sentiment_score":0.12827931344509125},{"text":"Yep.","start":1726.9299,"end":1727.4299,"sentiment":"neutral","sentiment_score":0.12053507566452026},{"text":"No.","start":1727.97,"end":1728.2899,"sentiment":"neutral","sentiment_score":0.09271308779716492},{"text":"I'm I'm good.","start":1728.2899,"end":1729.33,"sentiment":"neutral","sentiment_score":0.2675401419401169},{"text":"So so the projected balance is based off that 15%, did you say?","start":1729.33,"end":1734.07,"sentiment":"neutral","sentiment_score":0.11113312668525256}],"sentiment":"neutral","sentiment_score":0.13625676577028475,"channel":1,"num_words":19,"start":1726.5299,"end":1734.07},{"sentences":[{"text":"Yes.","start":1734.0,"end":1734.5,"sentiment":"neutral","sentiment_score":0.07712249457836151},{"text":"Yeah.","start":1734.56,"end":1734.96,"sentiment":"neutral","sentiment_score":0.10242001712322236},{"text":"Correct.","start":1734.96,"end":1735.46,"sentiment":"neutral","sentiment_score":0.13376107811927795},{"text":"So it it takes it takes the initial initial balance.","start":1735.68,"end":1739.535,"sentiment":"neutral","sentiment_score":0.12165431827306747},{"text":"It it takes into account all the fees, your contributions, your insurance premiums, and then it projects with the the five the three year rolling","start":1739.615,"end":1747.855,"sentiment":"neutral","sentiment_score":0.13111334890127183}],"sentiment":"neutral","sentiment_score":0.12651790776535085,"channel":0,"num_words":38,"start":1734.0,"end":1747.855},{"sentences":[{"text":"Yes.","start":1747.745,"end":1747.92,"sentiment":"neutral","sentiment_score":0.11551903188228609}],"sentiment":"neutral","sentiment_score":0.11551903188228609,"channel":1,"num_words":1,"start":1747.745,"end":1747.92},{"sentences":[{"text":"average that we have here.","start":1747.855,"end":1749.2151,"sentiment":"neutral","sentiment_score":0.17039799094200134},{"text":"And if you were to obtain that kind of five three year rolling average, sorry, over the next five to ten years, this is where you could end 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okay.","start":2372.22,"end":2373.04,"sentiment":"neutral","sentiment_score":0.16107594966888428}],"sentiment":"neutral","sentiment_score":0.16107594966888428,"channel":0,"num_words":2,"start":2372.22,"end":2373.04},{"sentences":[{"text":"expecting them if I was happy to hang on, you 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you can scroll down further for me, the next recommendation is around that investment option, and that's on page number 29.","start":2380.635,"end":2388.175,"sentiment":"neutral","sentiment_score":0.05316342277960344}],"sentiment":"neutral","sentiment_score":0.07078567768136661,"channel":0,"num_words":24,"start":2378.7952,"end":2388.175},{"sentences":[{"text":"Twenty nine twenty nine.","start":2389.425,"end":2391.125,"sentiment":"neutral","sentiment_score":0.03416698286309838},{"text":"Yep.","start":2392.225,"end":2392.725,"sentiment":"positive","sentiment_score":0.4818813800811768}],"sentiment":"neutral","sentiment_score":0.12370986230671406,"channel":1,"num_words":5,"start":2389.425,"end":2392.725},{"sentences":[{"text":"Perfect.","start":2393.69,"end":2394.19,"sentiment":"positive","sentiment_score":0.7436294555664062},{"text":"To make it easier, if you actually scroll down to 37, this has got that same fee comparison table.","start":2394.57,"end":2403.29,"sentiment":"positive","sentiment_score":0.3383065077819322},{"text":"I can talk you through the recommendation while you're sort of looking at this to make it easier for you, because sometimes having a visual is a little bit easier than all those pages of writing.","start":2403.29,"end":2413.2751,"sentiment":"neutral","sentiment_score":0.27867955880032647}],"sentiment":"neutral","sentiment_score":0.3072128075041941,"channel":0,"num_words":56,"start":2393.69,"end":2413.2751},{"sentences":[{"text":"Yep.","start":2414.0952,"end":2414.3352,"sentiment":"neutral","sentiment_score":0.07055844366550446},{"text":"That was page 37.","start":2414.3352,"end":2415.955,"sentiment":"neutral","sentiment_score":0.03515216847881675}],"sentiment":"neutral","sentiment_score":0.04223342351615429,"channel":1,"num_words":5,"start":2414.0952,"end":2415.955},{"sentences":[{"text":"37.","start":2416.455,"end":2417.095,"sentiment":"neutral","sentiment_score":0.027432087808847427},{"text":"Yeah.","start":2417.095,"end":2417.335,"sentiment":"neutral","sentiment_score":0.07394667714834213},{"text":"You'll have a fee comparison table there.","start":2417.335,"end":2419.835,"sentiment":"neutral","sentiment_score":0.11246466743094581},{"text":"Yeah.","start":2422.84,"end":2423.34,"sentiment":"neutral","sentiment_score":0.1132802963256836},{"text":"Sorta looks like the one you're super had.","start":2423.4001,"end":2425.58,"sentiment":"neutral","sentiment_score":0.11997549887746572}],"sentiment":"neutral","sentiment_score":0.1089842069066233,"channel":0,"num_words":18,"start":2416.455,"end":2425.58},{"sentences":[{"text":"So I think go down to 38.","start":2429.08,"end":2430.68,"sentiment":"neutral","sentiment_score":0.01555691845715046},{"text":"My apologies.","start":2430.68,"end":2431.42,"sentiment":"neutral","sentiment_score":-0.11876369267702104},{"text":"My document has a different page number on it, so you're so sorry.","start":2431.96,"end":2435.02,"sentiment":"neutral","sentiment_score":-0.12480093022951713},{"text":"You're absolutely fine.","start":2441.4548,"end":2442.9949,"sentiment":"neutral","sentiment_score":0.11556038012107213},{"text":"So with this one here, we talked about leaving about 70,000 behind, and you wanted to look at investing about a 160,000 into an investment account so that you could try to hopefully retire a little bit earlier there.","start":2443.375,"end":2455.8699,"sentiment":"neutral","sentiment_score":0.08102864170303711}],"sentiment":"neutral","sentiment_score":0.027433704963186756,"channel":0,"num_words":64,"start":2429.08,"end":2455.8699},{"sentences":[{"text":"So we have made a recommendation and looked at with Hub twenty four.","start":2456.01,"end":2459.53,"sentiment":"neutral","sentiment_score":0.1460881342108433},{"text":"So it'll be the with the same provider that your super fund is with.","start":2459.53,"end":2462.41,"sentiment":"neutral","sentiment_score":0.17068662920168468},{"text":"So you can look at your Hub twenty four and see your super and your investment account there in the account there in the one platform to make it easier.","start":2462.41,"end":2468.815,"sentiment":"neutral","sentiment_score":0.20922573357820512},{"text":"We'll start by investing initially a 160,000.","start":2469.435,"end":2473.055,"sentiment":"neutral","sentiment_score":0.13530201464891434},{"text":"Within Hub twenty four, you do have investment fees and administration fees on the investment account as 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$5,400.","start":2494.405,"end":2498.2651,"sentiment":"neutral","sentiment_score":0.09482161381414958}],"sentiment":"neutral","sentiment_score":0.13895647171533332,"channel":0,"num_words":53,"start":2479.65,"end":2498.2651},{"sentences":[{"text":"One thing we took did talk about was you were comfortable investing around about $400 on a a monthly basis into the investment on a regular basis to keep it growing, but you were also comfortable with me working at how much you needed to invest in order to meet that goal.","start":2499.0452,"end":2513.68,"sentiment":"neutral","sentiment_score":0.1722486840131191},{"text":"We need to increase your contributions to $450 on a monthly basis and have it invested to be able to see it grow to the level it needs to for you to be able to take on those retirement goals and retire before the age of 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is essentially more of a defective kind of investment, giving you access to high quality cash investments that pay good dividends, and then some core composite bonds in there as well.","start":2598.88,"end":2610.9648,"sentiment":"neutral","sentiment_score":0.10040160899774896}],"sentiment":"neutral","sentiment_score":0.16194617537310324,"channel":0,"num_words":83,"start":2579.385,"end":2610.9648},{"sentences":[{"text":"So that's essentially where the funds will be split for the 160,000.","start":2611.585,"end":2616.165,"sentiment":"neutral","sentiment_score":0.1432022067407767},{"text":"And back there on page number 38, this is a growth portfolio.","start":2616.785,"end":2621.045,"sentiment":"neutral","sentiment_score":0.0972821128865083},{"text":"So the same sort of portfolio that your super is invested in currently.","start":2621.185,"end":2625.27,"sentiment":"neutral","sentiment_score":0.15737385360094217},{"text":"And looking at the last three year rolling average, this has 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not?","start":2678.52,"end":2681.4202,"sentiment":"neutral","sentiment_score":0.024549147247203758}],"sentiment":"neutral","sentiment_score":0.027433089329861104,"channel":1,"num_words":8,"start":2678.12,"end":2681.4202},{"sentences":[{"text":"The 450 the 450 on a week monthly basis.","start":2682.45,"end":2686.8499,"sentiment":"neutral","sentiment_score":0.012974081302268637},{"text":"Sorry?","start":2686.8499,"end":2687.3499,"sentiment":"neutral","sentiment_score":-0.003685308154672384}],"sentiment":"neutral","sentiment_score":0.011308142356574536,"channel":0,"num_words":10,"start":2682.45,"end":2687.3499},{"sentences":[{"text":"Was it monthly?","start":2688.6802,"end":2689.48,"sentiment":"neutral","sentiment_score":0.0010637631639838219},{"text":"Yes.","start":2689.48,"end":2689.6401,"sentiment":"neutral","sentiment_score":0.022200843319296837},{"text":"Yes.","start":2689.6401,"end":2689.8801,"sentiment":"neutral","sentiment_score":0.031157009303569794},{"text":"For the 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there.","start":2706.96,"end":2708.64,"sentiment":"neutral","sentiment_score":-0.10888962128332683}],"sentiment":"neutral","sentiment_score":0.16784028929065575,"channel":0,"num_words":22,"start":2702.64,"end":2708.64},{"sentences":[{"text":"So this projected balance could alter somewhat.","start":2708.64,"end":2711.5999,"sentiment":"neutral","sentiment_score":-0.1157406313078744},{"text":"What I wanna do with you is obviously catch up and do our regular reviews and see how things are tracking to make sure that you're on track to do this.","start":2711.5999,"end":2718.785,"sentiment":"neutral","sentiment_score":0.16084974259138107},{"text":"There is obviously a risk the markets may not perform the way, say, they have in the past or the way we want them to, and therefore, it might take an extra couple of years before we meet this goal.","start":2718.785,"end":2728.545,"sentiment":"neutral","sentiment_score":-0.17269200161099435},{"text":"But we'll keep looking at it, keep tracking at it, see what we need to do, and also the advice as we are moving forward.","start":2728.545,"end":2734.39,"sentiment":"neutral","sentiment_score":0.18001578241586685},{"text":"Essentially, having a look at things, we did look at the age of 50.","start":2735.25,"end":2739.17,"sentiment":"neutral","sentiment_score":-0.02838530178580965}],"sentiment":"neutral","sentiment_score":0.011722033095156025,"channel":0,"num_words":117,"start":2708.64,"end":2739.17},{"sentences":[{"text":"And if you sort of scroll down to the next page for me, you'll see we've got two drawdown tables.","start":2739.17,"end":2743.83,"sentiment":"neutral","sentiment_score":-0.007812128181103617},{"text":"We did look at the projected balance at the age of 50, and if you were to stop working what this looks like based on the projected balance and drawing down regular income of $800 on a weekly basis, Your and we're using a conservative rate of return for the for the projection once you've actually retired.","start":2744.775,"end":2767.9802,"sentiment":"neutral","sentiment_score":-0.01669589614724381},{"text":"Because when you stop working, you generally don't wanna take as much risk in the market, so we tend to use a lower, more conservative projected figure for growth in that time frame.","start":2767.9802,"end":2776.865,"sentiment":"neutral","sentiment_score":-0.11469634498159091},{"text":"So you'll see sorry.","start":2776.865,"end":2778.9448,"sentiment":"neutral","sentiment_score":-0.22139978781342506},{"text":"The five year rolling average that is much lower than what it is above in the table above there.","start":2778.9448,"end":2783.505,"sentiment":"negative","sentiment_score":-0.33664418443253163}],"sentiment":"neutral","sentiment_score":-0.09153929837503211,"channel":0,"num_words":133,"start":2739.17,"end":2783.505},{"sentences":[{"text":"Okay?","start":2783.505,"end":2784.005,"sentiment":"neutral","sentiment_score":-0.08195438981056213}],"sentiment":"neutral","sentiment_score":-0.08195438981056213,"channel":0,"num_words":1,"start":2783.505,"end":2784.005},{"sentences":[{"text":"Alright.","start":2784.97,"end":2785.21,"sentiment":"neutral","sentiment_score":-0.0025597054045647383},{"text":"Cat.","start":2785.21,"end":2785.61,"sentiment":"neutral","sentiment_score":-0.00029515475034713745},{"text":"Yep.","start":2785.61,"end":2786.11,"sentiment":"neutral","sentiment_score":-0.0351153127849102}],"sentiment":"neutral","sentiment_score":-0.012656724313274026,"channel":1,"num_words":3,"start":2784.97,"end":2786.11},{"sentences":[{"text":"So if you are if you stop working at the age of 50, if we have this balance here at that time, you'll have admin fees, investment fees, ongoing service fee in the account there, and your regular drawdown on a yearly basis, which works out at $800 on a weekly basis or $41,800 on a yearly basis.","start":2786.05,"end":2804.9749,"sentiment":"neutral","sentiment_score":-0.07091329860147731},{"text":"If you're drawing that down, essentially, between the age of 50 to 55, we can see there how much the balance has has dropped away by.","start":2805.355,"end":2814.73,"sentiment":"neutral","sentiment_score":-0.26834055609427965},{"text":"So it goes from 308 to 156.","start":2814.73,"end":2818.27,"sentiment":"neutral","sentiment_score":-0.2668101170233318},{"text":"And, essentially, by ten years, the balance is completely gone.","start":2818.5698,"end":2821.93,"sentiment":"negative","sentiment_score":-0.5460614264011383},{"text":"The idea is that this investment money, is there to sort of supplement your income and draw down income so you can survive that ten years between 50 to 55.","start":2821.93,"end":2831.2249,"sentiment":"neutral","sentiment_score":-0.14620315755407015}],"sentiment":"neutral","sentiment_score":-0.17407790524529593,"channel":0,"num_words":131,"start":2786.05,"end":2831.2249},{"sentences":[{"text":"This projection doesn't quite get you there.","start":2831.605,"end":2833.765,"sentiment":"negative","sentiment_score":-0.7112119197845459},{"text":"It doesn't quite meet that goal.","start":2833.765,"end":2835.625,"sentiment":"negative","sentiment_score":-0.6361045142014822},{"text":"So in year nine sorry.","start":2836.005,"end":2838.405,"sentiment":"neutral","sentiment_score":-0.1958777755498886}],"sentiment":"negative","sentiment_score":-0.5430277445250087,"channel":0,"num_words":18,"start":2831.605,"end":2838.405},{"sentences":[{"text":"Sorry.","start":2838.23,"end":2838.73,"sentiment":"neutral","sentiment_score":-0.13366445899009705}],"sentiment":"neutral","sentiment_score":-0.13366445899009705,"channel":1,"num_words":1,"start":2838.23,"end":2838.73},{"sentences":[{"text":"You're right?","start":2838.405,"end":2839.145,"sentiment":"neutral","sentiment_score":-0.03665618412196636}],"sentiment":"neutral","sentiment_score":-0.03665618412196636,"channel":0,"num_words":2,"start":2838.405,"end":2839.145},{"sentences":[{"text":"50 to 60 or 50 to 55?","start":2839.19,"end":2841.525,"sentiment":"neutral","sentiment_score":-0.03521750308573246}],"sentiment":"neutral","sentiment_score":-0.03521750308573246,"channel":1,"num_words":7,"start":2839.19,"end":2841.525},{"sentences":[{"text":"This is 50 to 55.","start":2842.4202,"end":2844.4402,"sentiment":"neutral","sentiment_score":-0.04434959292411804}],"sentiment":"neutral","sentiment_score":-0.04434959292411804,"channel":0,"num_words":5,"start":2842.4202,"end":2844.4402},{"sentences":[{"text":"Yeah.","start":2844.7249,"end":2845.2048,"sentiment":"neutral","sentiment_score":-0.01935858465731144}],"sentiment":"neutral","sentiment_score":-0.01935858465731144,"channel":1,"num_words":1,"start":2844.7249,"end":2845.2048},{"sentences":[{"text":"Oh, sorry.","start":2845.06,"end":2845.4602,"sentiment":"neutral","sentiment_score":-0.07071656361222267}],"sentiment":"neutral","sentiment_score":-0.07071656361222267,"channel":0,"num_words":2,"start":2845.06,"end":2845.4602},{"sentences":[{"text":"Yeah.","start":2845.2048,"end":2845.7048,"sentiment":"neutral","sentiment_score":-0.05775895714759827}],"sentiment":"neutral","sentiment_score":-0.05775895714759827,"channel":1,"num_words":1,"start":2845.2048,"end":2845.7048},{"sentences":[{"text":"No.","start":2845.4602,"end":2845.78,"sentiment":"neutral","sentiment_score":-0.16140377521514893},{"text":"Sorry.","start":2845.78,"end":2846.26,"sentiment":"neutral","sentiment_score":-0.14187778532505035},{"text":"50 to 55 for the five years.","start":2846.26,"end":2848.34,"sentiment":"neutral","sentiment_score":-0.08342591460262026},{"text":"The ten year takes you to 60.","start":2848.34,"end":2850.1,"sentiment":"neutral","sentiment_score":-0.05999110585876873},{"text":"So it essentially shows the money runs out a little bit before you turn 60 there.","start":2850.1,"end":2855.305,"sentiment":"neutral","sentiment_score":-0.10947970300912857}],"sentiment":"neutral","sentiment_score":-0.09558987349737436,"channel":0,"num_words":32,"start":2845.4602,"end":2855.305},{"sentences":[{"text":"Okay?","start":2855.305,"end":2855.625,"sentiment":"neutral","sentiment_score":-0.0718575194478035},{"text":"Because the negative figure yeah.","start":2855.625,"end":2858.5251,"sentiment":"neutral","sentiment_score":-0.16781179010868072}],"sentiment":"neutral","sentiment_score":-0.1518194116652012,"channel":0,"num_words":6,"start":2855.305,"end":2858.5251},{"sentences":[{"text":"Yes.","start":2858.8198,"end":2859.14,"sentiment":"neutral","sentiment_score":-0.006551874801516533},{"text":"I'm 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now.","start":2859.6199,"end":2860.28,"sentiment":"neutral","sentiment_score":-0.030764706432819366},{"text":"I","start":2860.42,"end":2860.5,"sentiment":"neutral","sentiment_score":-0.09831397980451584}],"sentiment":"neutral","sentiment_score":-0.05328113089005152,"channel":1,"num_words":3,"start":2859.6199,"end":2860.5},{"sentences":[{"text":"So","start":2860.425,"end":2860.745,"sentiment":"neutral","sentiment_score":-0.1280730813741684}],"sentiment":"neutral","sentiment_score":-0.1280730813741684,"channel":0,"num_words":1,"start":2860.425,"end":2860.745},{"sentences":[{"text":"was just","start":2860.5,"end":2861.24,"sentiment":"neutral","sentiment_score":-0.14297424256801605}],"sentiment":"neutral","sentiment_score":-0.14297424256801605,"channel":1,"num_words":2,"start":2860.5,"end":2861.24},{"sentences":[{"text":"it really only lasts about nine odd years.","start":2860.745,"end":2863.305,"sentiment":"neutral","sentiment_score":-0.18250804021954536},{"text":"You'll have a little bit of residual there, but it's only really lasting about nine years, which is not really what you want.","start":2863.305,"end":2868.845,"sentiment":"neutral","sentiment_score":-0.2647238600513209},{"text":"So the next the next page shows you the different outcome.","start":2869.065,"end":2872.6501,"sentiment":"neutral","sentiment_score":-0.01753031479364092},{"text":"If you're able to hold off to age 51, so long as the markets work the way they want them we want them to, and we end up with this projected outcome or close to with the admin fees, investment fees, ongoing service fee there, and drawing down the same $800 on a weekly basis using that conservative projection growth rate whilst you are drawing down, the funds last a little bit longer there for you.","start":2873.11,"end":2898.9302,"sentiment":"neutral","sentiment_score":-0.03933192524862917},{"text":"So you can see 50 to 51 to 56, you end up roughly about 209,000 after drawing down and eating away some of it.","start":2898.9302,"end":2908.485,"sentiment":"neutral","sentiment_score":-0.23627793012807766}],"sentiment":"neutral","sentiment_score":-0.11550312118053856,"channel":0,"num_words":142,"start":2860.745,"end":2908.485},{"sentences":[{"text":"And then at nine years, this takes you to the age of 60, and there's still a little bit of residual balance there for you as well.","start":2908.725,"end":2914.885,"sentiment":"neutral","sentiment_score":-0.042861675636635885},{"text":"So it does look like projected forward.","start":2914.885,"end":2917.385,"sentiment":"neutral","sentiment_score":0.13566439532275712},{"text":"We would need you to wait to age 51 before you access those funds and actually stop working.","start":2918.165,"end":2923.7852,"sentiment":"neutral","sentiment_score":-0.21729927510023117},{"text":"However, this is utilizing past performance, and we know markets are volatile.","start":2924.88,"end":2929.54,"sentiment":"neutral","sentiment_score":-0.05387518120308717},{"text":"So we will check this every year.","start":2929.68,"end":2931.52,"sentiment":"neutral","sentiment_score":0.07604195816176278}],"sentiment":"neutral","sentiment_score":-0.05962267456392587,"channel":0,"num_words":71,"start":2908.725,"end":2931.52},{"sentences":[{"text":"We'll talk about what's happening.","start":2931.52,"end":2932.88,"sentiment":"neutral","sentiment_score":0.2576706498861313},{"text":"We'll look at what your goals are and keep trying to sort of project things at to see where we're tracking, where we're heading.","start":2932.88,"end":2938.48,"sentiment":"neutral","sentiment_score":0.2970117721706629},{"text":"And when you get closer to that fifty fifty one, we can actually sort of have a look at what we're what we're sitting on and how that's gonna look for you and how it's gonna work.","start":2938.48,"end":2947.675,"sentiment":"positive","sentiment_score":0.3412420467750446},{"text":"Does that make sense?","start":2947.675,"end":2948.7349,"sentiment":"neutral","sentiment_score":0.21190761029720306}],"sentiment":"neutral","sentiment_score":0.312717456477029,"channel":0,"num_words":70,"start":2931.52,"end":2948.7349},{"sentences":[{"text":"Yes.","start":2949.145,"end":2949.645,"sentiment":"neutral","sentiment_score":0.27122485637664795}],"sentiment":"neutral","sentiment_score":0.27122485637664795,"channel":1,"num_words":1,"start":2949.145,"end":2949.645},{"sentences":[{"text":"Yep.","start":2949.9949,"end":2950.475,"sentiment":"positive","sentiment_score":0.3817501962184906},{"text":"Perfect.","start":2950.475,"end":2950.975,"sentiment":"positive","sentiment_score":0.694622278213501},{"text":"Do you have any questions about that?","start":2952.03,"end":2953.71,"sentiment":"positive","sentiment_score":0.3945063991206033},{"text":"I know it's a 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feelings?","start":2961.47,"end":2962.1301,"sentiment":"neutral","sentiment_score":0.02025255188345909}],"sentiment":"neutral","sentiment_score":0.02025255188345909,"channel":0,"num_words":2,"start":2961.47,"end":2962.1301},{"sentences":[{"text":"Yeah.","start":2965.02,"end":2965.26,"sentiment":"neutral","sentiment_score":-0.02299685776233673},{"text":"Just like, there's a whole lot of an unknown, but they're","start":2965.26,"end":2970.085,"sentiment":"neutral","sentiment_score":-0.14348296414722095}],"sentiment":"neutral","sentiment_score":-0.13344245528181395,"channel":1,"num_words":12,"start":2965.02,"end":2970.085},{"sentences":[{"text":"There","start":2970.045,"end":2970.365,"sentiment":"neutral","sentiment_score":-0.04446452856063843}],"sentiment":"neutral","sentiment_score":-0.04446452856063843,"channel":0,"num_words":1,"start":2970.045,"end":2970.365},{"sentences":[{"text":"a 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bother planning any planning too far ahead.","start":2974.885,"end":2977.465,"sentiment":"neutral","sentiment_score":-0.1534258695319295}],"sentiment":"neutral","sentiment_score":-0.1534258695319295,"channel":1,"num_words":8,"start":2974.885,"end":2977.465},{"sentences":[{"text":"No.","start":2978.78,"end":2979.1,"sentiment":"neutral","sentiment_score":-0.16509220004081726},{"text":"There are there are a lot of uncertainties with the market, but that's the most important part is that we review things on a regular basis.","start":2979.1,"end":2986.8,"sentiment":"neutral","sentiment_score":-0.04568288400052832},{"text":"So, you know, having the money invested and building towards your retirement or building towards the option of being able to stop work earlier is still better than not.","start":2986.86,"end":2995.315,"sentiment":"neutral","sentiment_score":0.20929424927152437},{"text":"And if we get to, you know, closer to and we find, hey, it might not work the way we've been hoping.","start":2995.315,"end":3001.155,"sentiment":"neutral","sentiment_score":-0.3264249068769542},{"text":"We might have to hold off for another year or two.","start":3001.155,"end":3003.235,"sentiment":"negative","sentiment_score":-0.4461449222131209}],"sentiment":"neutral","sentiment_score":-0.08283433764963673,"channel":0,"num_words":89,"start":2978.78,"end":3003.235},{"sentences":[{"text":"You've still got that extra couple of years up your sleeve because you did sort of note that you were comfortable working to 55 if you had to or even just dropping back a few days a week and we look at partial.","start":3003.235,"end":3012.8599,"sentiment":"neutral","sentiment_score":0.11150241634526918},{"text":"So there are other things that we can do.","start":3012.8599,"end":3015.2,"sentiment":"neutral","sentiment_score":0.06811184932788213},{"text":"I personally, you know, don't see an issue with where we're tracking.","start":3015.8198,"end":3020.0,"sentiment":"negative","sentiment_score":-0.3907919687529405},{"text":"When you sort of look at that, if you look at the contribution over the next sort of because they're looking at the next sort of five years five to six years, if we're putting $450 into the investment on a monthly basis, That's $5,400 there.","start":3021.0352,"end":3039.03,"sentiment":"neutral","sentiment_score":0.04467097673889087},{"text":"For a year over six years, there's an extra 32,400 plus a 160,000.","start":3039.41,"end":3045.01,"sentiment":"neutral","sentiment_score":0.14803352665442687}],"sentiment":"neutral","sentiment_score":0.0381903064899086,"channel":0,"num_words":123,"start":3003.235,"end":3045.01},{"sentences":[{"text":"That gives you a 192.","start":3045.01,"end":3046.95,"sentiment":"neutral","sentiment_score":0.16108551621437073},{"text":"Getting a 5% return on a 192,000 gives you about 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was right.","start":3345.835,"end":3346.815,"sentiment":"neutral","sentiment_score":0.012712300444642702}],"sentiment":"neutral","sentiment_score":-0.004097609315067529,"channel":1,"num_words":4,"start":3344.955,"end":3346.815},{"sentences":[{"text":"yeah.","start":3347.32,"end":3347.82,"sentiment":"neutral","sentiment_score":0.09767458587884904}],"sentiment":"neutral","sentiment_score":0.09767458587884904,"channel":0,"num_words":1,"start":3347.32,"end":3347.82},{"sentences":[{"text":"Thank you.","start":3348.2349,"end":3348.9749,"sentiment":"positive","sentiment_score":0.33501245081424713}],"sentiment":"positive","sentiment_score":0.33501245081424713,"channel":1,"num_words":2,"start":3348.2349,"end":3348.9749},{"sentences":[{"text":"That's okay.","start":3349.335,"end":3350.055,"sentiment":"neutral","sentiment_score":0.2727760076522827},{"text":"That's not a problem at all.","start":3350.055,"end":3351.595,"sentiment":"neutral","sentiment_score":0.2097005844116211},{"text":"So that's essentially with the investment side of things.","start":3352.055,"end":3354.215,"sentiment":"neutral","sentiment_score":0.2146542486217287},{"text":"You're welcome to take it away, have a really good read of it.","start":3354.215,"end":3357.115,"sentiment":"positive","sentiment_score":0.38881440689930546},{"text":"Take it in and ask me any questions that you might definitely have.","start":3357.255,"end":3360.39,"sentiment":"positive","sentiment_score":0.3367611731474216}],"sentiment":"neutral","sentiment_score":0.30623549534830935,"channel":0,"num_words":43,"start":3349.335,"end":3360.39},{"sentences":[{"text":"I know our last advice case we provided was on investment.","start":3360.8699,"end":3363.5898,"sentiment":"neutral","sentiment_score":0.06089520623738116},{"text":"You weren't really in the right space to maybe look at that, so this is a little bit different.","start":3363.5898,"end":3367.6099,"sentiment":"neutral","sentiment_score":-0.009118527124978994},{"text":"But we are also working towards a goal with this one.","start":3367.91,"end":3370.5498,"sentiment":"neutral","sentiment_score":0.2231076955795288},{"text":"So, again, any advice we do provide is up to you to decide whether you're comfortable taking or not.","start":3370.5498,"end":3377.045,"sentiment":"neutral","sentiment_score":0.2098721591265578},{"text":"I've just done the math to work out the best way to be able to to try and achieve that, and then we work forward with you to keep looking at it, seeing how it's growing, and keep working towards that goal.","start":3377.185,"end":3389.665,"sentiment":"positive","sentiment_score":0.4531102010181972}],"sentiment":"neutral","sentiment_score":0.2545978369684342,"channel":0,"num_words":102,"start":3360.8699,"end":3389.665},{"sentences":[{"text":"Okay?","start":3389.665,"end":3390.165,"sentiment":"neutral","sentiment_score":0.10126353800296783}],"sentiment":"neutral","sentiment_score":0.10126353800296783,"channel":0,"num_words":1,"start":3389.665,"end":3390.165},{"sentences":[{"text":"Yep.","start":3390.9202,"end":3391.4202,"sentiment":"neutral","sentiment_score":0.21745936572551727}],"sentiment":"neutral","sentiment_score":0.21745936572551727,"channel":1,"num_words":1,"start":3390.9202,"end":3391.4202},{"sentences":[{"text":"Perfect.","start":3391.99,"end":3392.49,"sentiment":"positive","sentiment_score":0.5851559638977051},{"text":"Now the next recommendation, if you keep scrolling down there for me, is the land.","start":3393.19,"end":3397.0298,"sentiment":"neutral","sentiment_score":0.057098634789387384},{"text":"One of the things one of the questions you had was about whether you sell that land or not.","start":3397.0298,"end":3401.5298,"sentiment":"neutral","sentiment_score":-0.018613953045324275},{"text":"I'm saying no.","start":3402.3098,"end":3403.45,"sentiment":"neutral","sentiment_score":-0.11065165201822917},{"text":"So one of the main reasons is that it could be harder to sell.","start":3403.5098,"end":3407.7551,"sentiment":"neutral","sentiment_score":-0.2246290243097714}],"sentiment":"neutral","sentiment_score":-0.04593828689450255,"channel":0,"num_words":52,"start":3391.99,"end":3407.7551},{"sentences":[{"text":"Property and land is not liquid, so it can take time to sell.","start":3408.135,"end":3411.915,"sentiment":"neutral","sentiment_score":-0.26293323934078217},{"text":"And, realistically, when I kind of worked out, I've done an estimated of the CGT based on the information we have.","start":3412.2952,"end":3419.0352,"sentiment":"neutral","sentiment_score":-0.06411216727324895},{"text":"It could be different.","start":3419.175,"end":3420.3152,"sentiment":"neutral","sentiment_score":-0.10825840570032597},{"text":"The expected total CGT could be definitely different, and this is not what you would have to pay.","start":3420.455,"end":3425.6199,"sentiment":"neutral","sentiment_score":-0.19875707725683847},{"text":"This is just the CGT from the sale of the land.","start":3425.6199,"end":3428.5198,"sentiment":"neutral","sentiment_score":-0.1536681895906275}],"sentiment":"neutral","sentiment_score":-0.15620147347895066,"channel":0,"num_words":67,"start":3408.135,"end":3428.5198},{"sentences":[{"text":"It doesn't sort of work out in your benefit to sell it now.","start":3429.14,"end":3432.2,"sentiment":"neutral","sentiment_score":-0.20651085101641142},{"text":"As much as it's more money you could have then put into the investment growing, If you're selling this property, you've got the CGT consequences.","start":3432.74,"end":3440.875,"sentiment":"neutral","sentiment_score":-0.23500348508358002},{"text":"You might miss out on future growth that it can increase the amount of tax you are paying.","start":3441.335,"end":3445.675,"sentiment":"negative","sentiment_score":-0.46983252796861863},{"text":"It could take, you know, weeks, years, months to sell depending on the market, and you might have to reduce the amount.","start":3446.215,"end":3452.98,"sentiment":"neutral","sentiment_score":-0.2812865593216636},{"text":"You might not get what you're after.","start":3452.98,"end":3454.5999,"sentiment":"negative","sentiment_score":-0.3882542593138559}],"sentiment":"neutral","sentiment_score":-0.30497409192954794,"channel":0,"num_words":85,"start":3429.14,"end":3454.5999},{"sentences":[{"text":"So I've decided it's not worth selling that now.","start":3455.7,"end":3458.42,"sentiment":"negative","sentiment_score":-0.44097792108853656},{"text":"It is better to hold it.","start":3458.42,"end":3460.0398,"sentiment":"neutral","sentiment_score":-0.21783349787195525},{"text":"If you hold it till after retirement, then, you","start":3460.42,"end":3463.94,"sentiment":"neutral","sentiment_score":0.007018448164065679}],"sentiment":"neutral","sentiment_score":-0.2171931768146654,"channel":0,"num_words":24,"start":3455.7,"end":3463.94},{"sentences":[{"text":"Yep.","start":3463.905,"end":3464.405,"sentiment":"neutral","sentiment_score":0.04844426363706589}],"sentiment":"neutral","sentiment_score":0.04844426363706589,"channel":1,"num_words":1,"start":3463.905,"end":3464.405},{"sentences":[{"text":"know, you'll be on more of a lower tax rate, so selling it could have less of a tax consequence for you.","start":3463.94,"end":3469.645,"sentiment":"neutral","sentiment_score":0.044678930531848564},{"text":"So I have recommended to keep hold of that for the time being.","start":3469.645,"end":3474.685,"sentiment":"neutral","sentiment_score":0.12712881370232657},{"text":"Okay?","start":3474.685,"end":3475.185,"sentiment":"neutral","sentiment_score":0.0735580325126648}],"sentiment":"neutral","sentiment_score":0.07525469673176606,"channel":0,"num_words":36,"start":3463.94,"end":3475.185},{"sentences":[{"text":"Yep.","start":3475.665,"end":3476.145,"sentiment":"neutral","sentiment_score":0.08968596160411835},{"text":"That's my that's Lisa.","start":3476.145,"end":3477.925,"sentiment":"neutral","sentiment_score":0.0713576516136527},{"text":"Yep.","start":3478.41,"end":3478.91,"sentiment":"neutral","sentiment_score":0.132853701710701}],"sentiment":"neutral","sentiment_score":0.08466171162823836,"channel":1,"num_words":6,"start":3475.665,"end":3478.91},{"sentences":[{"text":"Perfect.","start":3478.6199,"end":3479.1199,"sentiment":"positive","sentiment_score":0.4834722876548767},{"text":"Perfect.","start":3479.5798,"end":3480.0798,"sentiment":"positive","sentiment_score":0.49252158403396606},{"text":"You do have your advantages, disadvantages, and risks involved.","start":3480.7,"end":3483.76,"sentiment":"neutral","sentiment_score":0.038602552066246666},{"text":"The main one thing there that by keeping a hold of the land, there is it could sustain additional growth moving forward, meaning that you could sell it for more when you get down the track.","start":3484.2998,"end":3494.975,"sentiment":"neutral","sentiment_score":0.143564741851555},{"text":"Another conversation we had was that you were possibly looking to hold it to maybe pass down to your daughter and or sell in retirement.","start":3495.5151,"end":3502.095,"sentiment":"neutral","sentiment_score":-0.005026411861181259}],"sentiment":"neutral","sentiment_score":0.08841787847793764,"channel":0,"num_words":72,"start":3478.6199,"end":3502.095},{"sentences":[{"text":"You have those options by holding on to it.","start":3502.235,"end":3504.575,"sentiment":"neutral","sentiment_score":0.03680645550290743},{"text":"It's there's no guarantees that the land will grow in value.","start":3505.675,"end":3509.9001,"sentiment":"neutral","sentiment_score":-0.049394342709671364},{"text":"The disadvantages are that you still have to pay your rates and, yeah, and","start":3510.76,"end":3514.92,"sentiment":"neutral","sentiment_score":-0.3167107733232634}],"sentiment":"neutral","sentiment_score":-0.13664795578840902,"channel":0,"num_words":34,"start":3502.235,"end":3514.92},{"sentences":[{"text":"Yeah.","start":3514.76,"end":3515.26,"sentiment":"neutral","sentiment_score":-0.173238605260849}],"sentiment":"neutral","sentiment_score":-0.173238605260849,"channel":1,"num_words":1,"start":3514.76,"end":3515.26},{"sentences":[{"text":"state taxes on that as moving forward, so that is a disadvantage to keeping it.","start":3514.92,"end":3520.005,"sentiment":"neutral","sentiment_score":-0.2870824952920278},{"text":"Capital tied up, if you do have to sell it down the track, it is it can be harder to sell if you need the money quickly.","start":3520.7249,"end":3526.9849,"sentiment":"neutral","sentiment_score":-0.2538213677428387},{"text":"And that's the other thing with, you know, the advantage there is that the land is hard to sell sometimes.","start":3527.2048,"end":3533.1448,"sentiment":"neutral","sentiment_score":0.058258958905935285},{"text":"It's not always liquid.","start":3533.285,"end":3534.6448,"sentiment":"neutral","sentiment_score":-0.10721255745738745},{"text":"If you need money fast, it can be difficult to sell.","start":3534.6448,"end":3537.84,"sentiment":"neutral","sentiment_score":-0.11318515850739046}],"sentiment":"neutral","sentiment_score":-0.15153405394453506,"channel":0,"num_words":77,"start":3514.92,"end":3537.84},{"sentences":[{"text":"But at the same time, depending on, you know, where it is and the market within that area, it could see some substantial growth in the future, and, you know, you might be able to sell it some more down the track and get a greater benefit out of that.","start":3538.22,"end":3551.295,"sentiment":"positive","sentiment_score":0.50208432585001},{"text":"Okay?","start":3551.535,"end":3552.035,"sentiment":"neutral","sentiment_score":0.18592698872089383}],"sentiment":"positive","sentiment_score":0.49588516237689,"channel":0,"num_words":51,"start":3538.22,"end":3552.035},{"sentences":[{"text":"Yep.","start":3552.5051,"end":3552.905,"sentiment":"neutral","sentiment_score":0.15452268719673157},{"text":"So","start":3552.905,"end":3553.405,"sentiment":"neutral","sentiment_score":0.15732571482658386}],"sentiment":"neutral","sentiment_score":0.15592420101165771,"channel":1,"num_words":2,"start":3552.5051,"end":3553.405},{"sentences":[{"text":"Yep.","start":3553.535,"end":3554.035,"sentiment":"neutral","sentiment_score":0.1691099852323532}],"sentiment":"neutral","sentiment_score":0.1691099852323532,"channel":0,"num_words":1,"start":3553.535,"end":3554.035},{"sentences":[{"text":"if if if Jay if I would just say, well, to sell it and I put it yeah.","start":3554.105,"end":3558.81,"sentiment":"neutral","sentiment_score":0.0802945490512583},{"text":"You talk about, you know, 1,000,000.","start":3558.81,"end":3561.29,"sentiment":"neutral","sentiment_score":0.054079956685503326},{"text":"I paid what I paid for it, the difference.","start":3561.29,"end":3563.39,"sentiment":"neutral","sentiment_score":0.10688222944736481},{"text":"If I put all of that into the same investment portfolio, this new one that you're designing, what what would that how big an impact would that make?","start":3565.13,"end":3574.765,"sentiment":"neutral","sentiment_score":0.13806133876953805}],"sentiment":"neutral","sentiment_score":0.10815474055096751,"channel":1,"num_words":61,"start":3554.105,"end":3574.765},{"sentences":[{"text":"Mhmm.","start":3574.75,"end":3575.1501,"sentiment":"neutral","sentiment_score":-0.015553385019302368},{"text":"It would have a bigger impact.","start":3575.1501,"end":3576.9302,"sentiment":"neutral","sentiment_score":-0.07920000702142715},{"text":"You would need to make sure you cover the tax first.","start":3577.805,"end":3580.625,"sentiment":"neutral","sentiment_score":-0.23874501477588306},{"text":"So if you were able to sell that for a 100,000, we've got estimated CDT of 37,000.","start":3580.765,"end":3587.265,"sentiment":"neutral","sentiment_score":0.07002505944932208},{"text":"That CDT is then added to your income for the year, which can increase the tax side of things.","start":3587.4849,"end":3593.0698,"sentiment":"neutral","sentiment_score":0.09921322802179738}],"sentiment":"neutral","sentiment_score":-0.0007679860487028402,"channel":0,"num_words":54,"start":3574.75,"end":3593.0698},{"sentences":[{"text":"I did we did do a little bit of math, and, I mean, it depends on the other deductions, and there's so many other factors with regards to that.","start":3593.45,"end":3599.69,"sentiment":"neutral","sentiment_score":0.08460113162110591},{"text":"But at your marginal tax rate, the CGT bill is a or the income tax is roughly a bit over 11,000 that you would have to pay on that.","start":3599.69,"end":3609.675,"sentiment":"neutral","sentiment_score":0.17006313261286965},{"text":"So you would be you know, have about 11,000 less out of it.","start":3610.455,"end":3614.535,"sentiment":"positive","sentiment_score":0.41299538199718183},{"text":"It would make it definitely an impact, and having invested in the portfolio would be good.","start":3614.535,"end":3620.795,"sentiment":"positive","sentiment_score":0.6439018752425909},{"text":"But I don't see my main concern is the amount of tax that you may have to pay for that.","start":3622.05,"end":3628.31,"sentiment":"negative","sentiment_score":-0.5531628064811229}],"sentiment":"neutral","sentiment_score":0.11208764021502476,"channel":0,"num_words":107,"start":3593.45,"end":3628.31},{"sentences":[{"text":"The amount of tax may not be worth you selling it.","start":3628.61,"end":3631.4302,"sentiment":"negative","sentiment_score":-0.6964514472267844},{"text":"And holding this a little bit longer, generally, sort of keeping investments in land and things like that.","start":3632.4502,"end":3638.555,"sentiment":"negative","sentiment_score":-0.36237913825445706},{"text":"If you don't have to sell them, we generally try not to because you do end up with higher tax bills, and it can cause a bit of trouble, increases your income, and there's other consequences that can come of that.","start":3638.555,"end":3651.51,"sentiment":"negative","sentiment_score":-0.35949299920622896},{"text":"So","start":3651.51,"end":3652.01,"sentiment":"neutral","sentiment_score":0.10672083497047424}],"sentiment":"negative","sentiment_score":-0.4058631343740812,"channel":0,"num_words":71,"start":3628.61,"end":3652.01},{"sentences":[{"text":"Yep.","start":3652.425,"end":3652.925,"sentiment":"neutral","sentiment_score":0.306368350982666}],"sentiment":"neutral","sentiment_score":0.306368350982666,"channel":1,"num_words":1,"start":3652.425,"end":3652.925},{"sentences":[{"text":"if you chose to sell it, absolutely, you could definitely put the money into there.","start":3652.4702,"end":3656.4702,"sentiment":"positive","sentiment_score":0.5446112294991811},{"text":"It's just my main concern was adding the increase of tax bill to your current income tax and increasing your income estimates.","start":3656.4702,"end":3665.165,"sentiment":"neutral","sentiment_score":-0.189507434991273},{"text":"And then if you've got an investment portfolio on top of that, you're paying CGT and income tax from the investment portfolio.","start":3665.225,"end":3671.725,"sentiment":"neutral","sentiment_score":-0.17848942496559836},{"text":"It can increase your tax bill pretty high.","start":3672.185,"end":3674.5251,"sentiment":"negative","sentiment_score":-0.39268703386187553},{"text":"So I kind of,","start":3674.5852,"end":3676.925,"sentiment":"neutral","sentiment_score":-0.0791511656716466}],"sentiment":"neutral","sentiment_score":-0.047674132537254145,"channel":0,"num_words":71,"start":3652.4702,"end":3676.925},{"sentences":[{"text":"Yeah.","start":3677.105,"end":3677.605,"sentiment":"neutral","sentiment_score":-0.04591122269630432}],"sentiment":"neutral","sentiment_score":-0.04591122269630432,"channel":1,"num_words":1,"start":3677.105,"end":3677.605},{"sentences":[{"text":"yeah, kind of didn't wanna put that on you.","start":3678.8801,"end":3681.78,"sentiment":"neutral","sentiment_score":-0.1790824913316303},{"text":"Plus, if you put it up for sale and it doesn't sell quickly, you know, you might still have to reduce the sale cost or sell it at a loss or something like that.","start":3682.32,"end":3692.225,"sentiment":"neutral","sentiment_score":-0.15136245068381815},{"text":"So it's it's sort of better just to hold on for the for the time being.","start":3692.225,"end":3695.985,"sentiment":"neutral","sentiment_score":0.059667053865268826},{"text":"And then later down the track, maybe in retirement, if not beforehand, if you don't need to beforehand, then we could maybe look at selling it and seeing what kind of gain you can get for that and how that can benefit you down the track.","start":3695.985,"end":3706.92,"sentiment":"neutral","sentiment_score":0.23110678306092386}],"sentiment":"neutral","sentiment_score":0.045976372737260095,"channel":0,"num_words":105,"start":3678.8801,"end":3706.92},{"sentences":[{"text":"Yep.","start":3707.375,"end":3707.695,"sentiment":"neutral","sentiment_score":0.22608888149261477},{"text":"That's cool.","start":3707.695,"end":3708.255,"sentiment":"positive","sentiment_score":0.36102570593357086},{"text":"In all serious seriousness, sir, I actually","start":3708.255,"end":3711.23,"sentiment":"neutral","sentiment_score":0.0568048602768353}],"sentiment":"neutral","sentiment_score":0.13457743152976037,"channel":1,"num_words":10,"start":3707.375,"end":3711.23},{"sentences":[{"text":"Yeah.","start":3711.0598,"end":3711.5598,"sentiment":"neutral","sentiment_score":0.03038044460117817}],"sentiment":"neutral","sentiment_score":0.03038044460117817,"channel":0,"num_words":1,"start":3711.0598,"end":3711.5598},{"sentences":[{"text":"thought I actually thought you're gonna say sell it and add it to the portfolio, but there was a couple of","start":3711.23,"end":3715.95,"sentiment":"neutral","sentiment_score":-0.01910632937437012}],"sentiment":"neutral","sentiment_score":-0.01910632937437012,"channel":1,"num_words":21,"start":3711.23,"end":3715.95},{"sentences":[{"text":"Yeah.","start":3715.7952,"end":3716.2952,"sentiment":"neutral","sentiment_score":-0.06688567996025085}],"sentiment":"neutral","sentiment_score":-0.06688567996025085,"channel":0,"num_words":1,"start":3715.7952,"end":3716.2952},{"sentences":[{"text":"things I forgot to I I missed with the taxes 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long.","start":4256.8203,"end":4257.7,"sentiment":"neutral","sentiment_score":-0.10048862174153328},{"text":"So hence why, you know, I'm a little nervous about this.","start":4257.7,"end":4261.06,"sentiment":"neutral","sentiment_score":-0.1888768273321065},{"text":"But","start":4261.06,"end":4261.56,"sentiment":"neutral","sentiment_score":-0.03370479494333267}],"sentiment":"neutral","sentiment_score":-0.15708152391016483,"channel":1,"num_words":16,"start":4256.8203,"end":4261.56},{"sentences":[{"text":"Absolutely.","start":4261.525,"end":4262.025,"sentiment":"neutral","sentiment_score":0.0011616535484790802}],"sentiment":"neutral","sentiment_score":0.0011616535484790802,"channel":0,"num_words":1,"start":4261.525,"end":4262.025},{"sentences":[{"text":"but yeah.","start":4261.7,"end":4263.765,"sentiment":"neutral","sentiment_score":0.007598179392516613},{"text":"Yeah.","start":4263.765,"end":4264.005,"sentiment":"neutral","sentiment_score":0.042518287897109985},{"text":"Because I'm","start":4264.005,"end":4265.025,"sentiment":"neutral","sentiment_score":0.05729450285434723}],"sentiment":"neutral","sentiment_score":0.034460730478167535,"channel":1,"num_words":5,"start":4261.7,"end":4265.025},{"sentences":[{"text":"Absolutely.","start":4264.725,"end":4265.225,"sentiment":"neutral","sentiment_score":0.08470626175403595}],"sentiment":"neutral","sentiment_score":0.08470626175403595,"channel":0,"num_words":1,"start":4264.725,"end":4265.225},{"sentences":[{"text":"not hanging","start":4265.045,"end":4266.485,"sentiment":"neutral","sentiment_score":0.01366422325372696}],"sentiment":"neutral","sentiment_score":0.01366422325372696,"channel":1,"num_words":2,"start":4265.045,"end":4266.485},{"sentences":[{"text":"Yeah.","start":4266.165,"end":4266.665,"sentiment":"neutral","sentiment_score":0.05855201184749603}],"sentiment":"neutral","sentiment_score":0.05855201184749603,"channel":0,"num_words":1,"start":4266.165,"end":4266.665},{"sentences":[{"text":"on.","start":4266.485,"end":4266.985,"sentiment":"neutral","sentiment_score":0.08167719841003418}],"sentiment":"neutral","sentiment_score":0.08167719841003418,"channel":1,"num_words":1,"start":4266.485,"end":4266.985},{"sentences":[{"text":"And, look, the good the good thing with having Yeah.","start":4267.765,"end":4270.95,"sentiment":"positive","sentiment_score":0.33341912254691125},{"text":"And, look, the good the good thing with having a investment account there is if you open it and go forward with the advice and you decide at any point it's not working, you don't really want it, we can always close it and draw the funds back out.","start":4271.25,"end":4279.73,"sentiment":"neutral","sentiment_score":0.2744779500121973},{"text":"It's absolutely fine.","start":4279.73,"end":4281.0303,"sentiment":"positive","sentiment_score":0.4147777557373047}],"sentiment":"neutral","sentiment_score":0.2907732910206241,"channel":0,"num_words":62,"start":4267.765,"end":4281.0303},{"sentences":[{"text":"Yeah.","start":4281.54,"end":4282.04,"sentiment":"neutral","sentiment_score":0.2119908481836319}],"sentiment":"neutral","sentiment_score":0.2119908481836319,"channel":1,"num_words":1,"start":4281.54,"end":4282.04},{"sentences":[{"text":"It all the investments are liquid.","start":4281.89,"end":4283.845,"sentiment":"neutral","sentiment_score":0.18063562860091528},{"text":"Unlike your super, the funds aren't locked in there till retirement.","start":4283.845,"end":4287.065,"sentiment":"neutral","sentiment_score":0.05115940963680094},{"text":"You can pull the money out if you decide it's no longer for you.","start":4287.9253,"end":4290.8853,"sentiment":"neutral","sentiment_score":0.004605674051812717},{"text":"You don't wanna do it anymore.","start":4290.8853,"end":4292.245,"sentiment":"neutral","sentiment_score":-0.14658634116252264},{"text":"You can take the money out.","start":4292.245,"end":4293.785,"sentiment":"neutral","sentiment_score":-0.09525314221779506}],"sentiment":"neutral","sentiment_score":0.006046739861715672,"channel":0,"num_words":43,"start":4281.89,"end":4293.785},{"sentences":[{"text":"Obviously, markets go up and down.","start":4294.645,"end":4296.6797,"sentiment":"neutral","sentiment_score":-0.20560971150795618},{"text":"You could be taking the money out of the down point, which means you could be taking it less, but I would just sort of talk to you, keep working with you to see how you go.","start":4296.6797,"end":4304.3,"sentiment":"neutral","sentiment_score":-0.014223661475084923},{"text":"But yeah.","start":4305.4,"end":4306.36,"sentiment":"neutral","sentiment_score":0.07002223283052444},{"text":"I mean, I invest in my own name outside of Super, and I honestly love it.","start":4306.36,"end":4311.345,"sentiment":"positive","sentiment_score":0.40714639984071255},{"text":"I'm investing for the longer term.","start":4311.345,"end":4313.285,"sentiment":"neutral","sentiment_score":0.2750655934214592}],"sentiment":"neutral","sentiment_score":0.09768427880619888,"channel":0,"num_words":67,"start":4294.645,"end":4313.285},{"sentences":[{"text":"I know that I'm you know, it's a bit different for yourself to what I'm doing.","start":4313.825,"end":4317.505,"sentiment":"neutral","sentiment_score":-0.021352530922740698},{"text":"I'm really not wanting to access the money in the next couple of 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defensive.","start":4333.64,"end":4344.335,"sentiment":"neutral","sentiment_score":-0.22220256215050108}],"sentiment":"neutral","sentiment_score":-0.07833968077888008,"channel":0,"num_words":119,"start":4313.825,"end":4344.335},{"sentences":[{"text":"You don't have to be in the growth portfolio right up into the day you access those funds.","start":4344.335,"end":4349.075,"sentiment":"neutral","sentiment_score":0.13783546909689903},{"text":"More often than not, we tend to reduce the risk level a bit prior to accessing some of that money.","start":4349.535,"end":4354.995,"sentiment":"neutral","sentiment_score":0.21300092451274394},{"text":"If you you can always put more into it.","start":4356.24,"end":4358.08,"sentiment":"positive","sentiment_score":0.47624610198868644},{"text":"If you say, hey.","start":4358.08,"end":4358.72,"sentiment":"positive","sentiment_score":0.48416152596473694},{"text":"I've got an extra, you know, 5,000 here or an extra $100 here or there, you can be putting 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it?","start":4373.465,"end":4375.145,"sentiment":"neutral","sentiment_score":0.19096528987089792}],"sentiment":"neutral","sentiment_score":0.2141004242002964,"channel":0,"num_words":24,"start":4368.985,"end":4375.145},{"sentences":[{"text":"You could always take advantage of those downtimes as well and chuck some more money into it.","start":4375.145,"end":4379.225,"sentiment":"positive","sentiment_score":0.4087937789804795},{"text":"So unlike your super, there's no caps.","start":4379.225,"end":4382.52,"sentiment":"neutral","sentiment_score":0.14282196866614477},{"text":"You can put as much or as little in as you like, and we just kinda wanna make sure it is working so you you are able to hopefully retire a bit earlier.","start":4382.6,"end":4391.34,"sentiment":"positive","sentiment_score":0.3486371844103842},{"text":"If we get to, say, 49, fifty, fifty one, and the markets are a bit volatile, it's not really working, we may have to reassess, obviously, the goal of how much you draw out or maybe, you know, look at whether we hold off for a little bit longer.","start":4391.96,"end":4407.415,"sentiment":"neutral","sentiment_score":-0.08783754812819618},{"text":"But those are all things that we can talk about down the track, and they're all possibilities.","start":4407.875,"end":4412.1504,"sentiment":"neutral","sentiment_score":0.03360672558055205}],"sentiment":"neutral","sentiment_score":0.127817476304566,"channel":0,"num_words":123,"start":4375.145,"end":4412.1504},{"sentences":[{"text":"There is obviously a lot of unknowns with investing, but, you know, working towards that goal, having the money in the market and investing in a portfolio tends to get you closer to that goal than having it sitting in a bank account earning very little interest.","start":4412.45,"end":4428.195,"sentiment":"neutral","sentiment_score":-0.004762602930373334},{"text":"So yeah.","start":4428.335,"end":4430.275,"sentiment":"neutral","sentiment_score":-0.11741389706730843},{"text":"But you can always walk away at any point.","start":4430.415,"end":4432.515,"sentiment":"neutral","sentiment_score":-0.2683787826034758}],"sentiment":"neutral","sentiment_score":-0.049553089229197336,"channel":0,"num_words":58,"start":4412.45,"end":4432.515},{"sentences":[{"text":"So just a quick one.","start":4433.695,"end":4435.715,"sentiment":"neutral","sentiment_score":0.027850314602255823},{"text":"Just","start":4435.855,"end":4436.095,"sentiment":"neutral","sentiment_score":0.03832456469535827}],"sentiment":"neutral","sentiment_score":0.02959602295110623,"channel":1,"num_words":6,"start":4433.695,"end":4436.095},{"sentences":[{"text":"Yeah.","start":4436.0947,"end":4436.5947,"sentiment":"neutral","sentiment_score":0.03186279162764549}],"sentiment":"neutral","sentiment_score":0.03186279162764549,"channel":0,"num_words":1,"start":4436.0947,"end":4436.5947},{"sentences":[{"text":"say my income of 80,000 a year changed all 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gonna","start":4443.9497,"end":4444.59,"sentiment":"neutral","sentiment_score":0.05935035521785418}],"sentiment":"neutral","sentiment_score":0.04274583421647549,"channel":1,"num_words":11,"start":4440.4297,"end":4444.59},{"sentences":[{"text":"Yep.","start":4444.43,"end":4444.93,"sentiment":"neutral","sentiment_score":0.00851843599230051}],"sentiment":"neutral","sentiment_score":0.00851843599230051,"channel":0,"num_words":1,"start":4444.43,"end":4444.93},{"sentences":[{"text":"be an advantage or a disadvantage?","start":4444.59,"end":4446.4497,"sentiment":"neutral","sentiment_score":-0.02674844767898321}],"sentiment":"neutral","sentiment_score":-0.02674844767898321,"channel":1,"num_words":6,"start":4444.59,"end":4446.4497},{"sentences":[{"text":"Well, realistically, you're still in the same tax bracket.","start":4448.5903,"end":4451.73,"sentiment":"neutral","sentiment_score":-0.0859806082314915},{"text":"It does mean you're paying more income tax.","start":4452.0303,"end":4454.325,"sentiment":"neutral","sentiment_score":-0.05563854705542326},{"text":"It could be an advantage.","start":4454.325,"end":4455.785,"sentiment":"neutral","sentiment_score":0.19141667187213898},{"text":"You could be putting you have a bit more money aside to put into the investment.","start":4455.845,"end":4460.585,"sentiment":"neutral","sentiment_score":-0.07196230138652027},{"text":"It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax.","start":4461.5254,"end":4471.2197,"sentiment":"neutral","sentiment_score":-0.24680138026413165}],"sentiment":"neutral","sentiment_score":-0.1419960495182558,"channel":0,"num_words":76,"start":4448.5903,"end":4471.2197},{"sentences":[{"text":"So you could end up with a tax bill as opposed to a refund.","start":4471.2197,"end":4474.6,"sentiment":"neutral","sentiment_score":-0.24129826256207057},{"text":"So there are advantages and disadvantages to both.","start":4474.7397,"end":4478.52,"sentiment":"neutral","sentiment_score":-0.04525784216821194}],"sentiment":"neutral","sentiment_score":-0.1700108369643038,"channel":0,"num_words":22,"start":4471.2197,"end":4478.52},{"sentences":[{"text":"Yep.","start":4478.9253,"end":4479.245,"sentiment":"neutral","sentiment_score":0.041579753160476685},{"text":"But if that that so that investment of of mine is going after, that's what I wanted to do.","start":4479.245,"end":4484.5254,"sentiment":"neutral","sentiment_score":0.041382379045611935},{"text":"So 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there are offsets that you can have.","start":4487.775,"end":4489.5347,"sentiment":"neutral","sentiment_score":0.1246381001546979},{"text":"So you get a tax statement when you are invested.","start":4489.5347,"end":4492.995,"sentiment":"neutral","sentiment_score":0.1135828360915184},{"text":"You there you get a tax statement every year.","start":4493.135,"end":4495.375,"sentiment":"neutral","sentiment_score":0.09308685941828622}],"sentiment":"neutral","sentiment_score":0.11780767245539303,"channel":0,"num_words":29,"start":4486.5747,"end":4495.375},{"sentences":[{"text":"So your accountant goes through and inputs the information from the tax statement, noting the income, the CGT, but there's also deductions in those statements that they can add as well.","start":4495.375,"end":4505.09,"sentiment":"neutral","sentiment_score":0.10605867976142515},{"text":"So you get ranking credits on 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you.","start":4551.995,"end":4556.5747,"sentiment":"neutral","sentiment_score":-0.06974452901631593}],"sentiment":"neutral","sentiment_score":0.024816759022893292,"channel":0,"num_words":101,"start":4527.625,"end":4556.5747},{"sentences":[{"text":"Yep.","start":4556.9204,"end":4557.4004,"sentiment":"neutral","sentiment_score":0.03383290022611618},{"text":"Okay.","start":4557.4004,"end":4557.8003,"sentiment":"neutral","sentiment_score":0.04531358554959297},{"text":"Yep.","start":4557.8003,"end":4558.12,"sentiment":"neutral","sentiment_score":0.04091799259185791},{"text":"No.","start":4558.12,"end":4558.2803,"sentiment":"neutral","sentiment_score":-0.026359494775533676},{"text":"I get that.","start":4558.2803,"end":4558.8403,"sentiment":"neutral","sentiment_score":0.0034998580813407894}],"sentiment":"neutral","sentiment_score":0.014886365405150823,"channel":1,"num_words":7,"start":4556.9204,"end":4558.8403},{"sentences":[{"text":"Awesome.","start":4558.8403,"end":4559.325,"sentiment":"neutral","sentiment_score":0.27598142623901367},{"text":"Oh, well, I'll just","start":4559.4053,"end":4560.365,"sentiment":"neutral","sentiment_score":0.23683536425232887}],"sentiment":"neutral","sentiment_score":0.24466457664966584,"channel":1,"num_words":5,"start":4558.8403,"end":4560.365},{"sentences":[{"text":"Cool.","start":4560.0503,"end":4560.5503,"sentiment":"neutral","sentiment_score":0.2636452913284302}],"sentiment":"neutral","sentiment_score":0.2636452913284302,"channel":0,"num_words":1,"start":4560.0503,"end":4560.5503},{"sentences":[{"text":"I've held you up for so long again.","start":4560.685,"end":4562.9453,"sentiment":"neutral","sentiment_score":0.01973720546811819}],"sentiment":"neutral","sentiment_score":0.01973720546811819,"channel":1,"num_words":8,"start":4560.685,"end":4562.9453},{"sentences":[{"text":"No.","start":4562.77,"end":4562.93,"sentiment":"neutral","sentiment_score":-0.03657921403646469},{"text":"You're fine.","start":4562.93,"end":4563.75,"sentiment":"neutral","sentiment_score":0.02030548546463251},{"text":"I tell you what, Nate.","start":4564.0503,"end":4565.0103,"sentiment":"neutral","sentiment_score":0.02431259714066982},{"text":"Every time I book you in, I book you in for a long time, and I cancel out most of my afternoon because there's always a lot to go through, and you're so inquisitive.","start":4565.0103,"end":4573.275,"sentiment":"neutral","sentiment_score":-0.12172535598716315},{"text":"And I love that.","start":4573.9746,"end":4575.0146,"sentiment":"positive","sentiment_score":0.6864990442991257}],"sentiment":"neutral","sentiment_score":-0.02754502573414989,"channel":0,"num_words":46,"start":4562.77,"end":4575.0146},{"sentences":[{"text":"So I always make sure I block out the rest of my afternoon for you, so don't worry in any way, shape, or form.","start":4575.0146,"end":4579.755,"sentiment":"positive","sentiment_score":0.33761024040480453}],"sentiment":"positive","sentiment_score":0.33761024040480453,"channel":0,"num_words":24,"start":4575.0146,"end":4579.755},{"sentences":[{"text":"It's hot.","start":4580.54,"end":4581.28,"sentiment":"neutral","sentiment_score":0.0671484749764204},{"text":"What time are you expecting to get home","start":4581.34,"end":4583.355,"sentiment":"neutral","sentiment_score":0.001330533530563116}],"sentiment":"neutral","sentiment_score":0.014494121819734574,"channel":1,"num_words":10,"start":4580.54,"end":4583.355},{"sentences":[{"text":"Well, I finish here at six normally, but this week, I have not left here before seven, and I've actually been working till midnight most nights this week.","start":4584.5347,"end":4593.27,"sentiment":"neutral","sentiment_score":-0.011479051816942436},{"text":"So","start":4593.27,"end":4593.43,"sentiment":"neutral","sentiment_score":-0.00383714959025383}],"sentiment":"neutral","sentiment_score":-0.011215537947056622,"channel":0,"num_words":29,"start":4584.5347,"end":4593.43},{"sentences":[{"text":"from?","start":4593.595,"end":4593.995,"sentiment":"neutral","sentiment_score":-0.006797843147069216},{"text":"Oh, god.","start":4593.995,"end":4594.555,"sentiment":"neutral","sentiment_score":-0.0213601840659976},{"text":"At the office or back at 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getting","start":4597.27,"end":4602.8047,"sentiment":"neutral","sentiment_score":0.053989855474547335}],"sentiment":"neutral","sentiment_score":0.039213875470602,"channel":0,"num_words":23,"start":4596.47,"end":4602.8047},{"sentences":[{"text":"Yep.","start":4602.65,"end":4603.15,"sentiment":"neutral","sentiment_score":0.12392329424619676}],"sentiment":"neutral","sentiment_score":0.12392329424619676,"channel":1,"num_words":1,"start":4602.65,"end":4603.15},{"sentences":[{"text":"those advice documents sorted and helping our lovely clients along.","start":4602.8047,"end":4606.1646,"sentiment":"positive","sentiment_score":0.3403287440538406},{"text":"So I'm actually off work tomorrow.","start":4606.1646,"end":4608.6646,"sentiment":"neutral","sentiment_score":-0.01034305306772391},{"text":"So you've got take some time over the weekend to have a read of the document.","start":4609.125,"end":4612.8247,"sentiment":"neutral","sentiment_score":0.08996382169425488},{"text":"Let me know if you do 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make sure you're aware of is on page 54, it does outline the ongoing service fees there.","start":4665.9653,"end":4672.1,"sentiment":"neutral","sentiment_score":-0.009874115038352707},{"text":"So it does note down the ongoing service fee.","start":4672.1,"end":4674.76,"sentiment":"neutral","sentiment_score":0.024247348515523806},{"text":"Paid out of super is 1.65%, and then the ongoing service fee paid out of the investment is 1.1%.","start":4674.98,"end":4681.96,"sentiment":"neutral","sentiment_score":0.010420123850436587}],"sentiment":"neutral","sentiment_score":0.03831753115458735,"channel":0,"num_words":58,"start":4663.645,"end":4681.96},{"sentences":[{"text":"If your balance gets up over 600,000 between the two, at the moment, we do cap that.","start":4682.485,"end":4687.205,"sentiment":"neutral","sentiment_score":-0.005640473737217048},{"text":"So if there's any changes to the fee structure, we'll make sure you're aware of 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is good.","start":4726.965,"end":4727.8447,"sentiment":"positive","sentiment_score":0.4918212095896403},{"text":"Alright.","start":4727.8447,"end":4728.2446,"sentiment":"neutral","sentiment_score":0.1297106146812439},{"text":"I'm go I'll go and leave you to anything.","start":4728.2446,"end":4731.12,"sentiment":"neutral","sentiment_score":0.07635815938313802},{"text":"Have you got another client or you're done?","start":4731.66,"end":4733.18,"sentiment":"neutral","sentiment_score":0.024120136629790068},{"text":"You're 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border, so I drive across to Queensland to work every day.","start":4754.32,"end":4758.1597,"sentiment":"neutral","sentiment_score":0.023441172391176223},{"text":"So I split myself between time zones.","start":4758.1597,"end":4760.34,"sentiment":"neutral","sentiment_score":0.008233956726534026}],"sentiment":"neutral","sentiment_score":0.01800066912546754,"channel":0,"num_words":30,"start":4752.48,"end":4760.34},{"sentences":[{"text":"Yep.","start":4760.57,"end":4761.05,"sentiment":"neutral","sentiment_score":0.029193535447120667},{"text":"That's right.","start":4761.05,"end":4761.4497,"sentiment":"neutral","sentiment_score":0.04621049202978611},{"text":"You didn't 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again.","start":4769.555,"end":4773.015,"sentiment":"neutral","sentiment_score":0.11785642150789499}],"sentiment":"neutral","sentiment_score":0.16547826615472636,"channel":0,"num_words":24,"start":4767.555,"end":4773.015},{"sentences":[{"text":"Yay.","start":4776.055,"end":4776.555,"sentiment":"neutral","sentiment_score":0.31730371713638306},{"text":"Alright.","start":4776.6147,"end":4777.1147,"sentiment":"neutral","sentiment_score":0.3012826144695282},{"text":"Thank you very much, Dana.","start":4777.175,"end":4778.955,"sentiment":"positive","sentiment_score":0.5660921216011048}],"sentiment":"positive","sentiment_score":0.49272099137306213,"channel":1,"num_words":7,"start":4776.055,"end":4778.955},{"sentences":[{"text":"No worries.","start":4779.5703,"end":4780.15,"sentiment":"neutral","sentiment_score":0.18683112412691116}],"sentiment":"neutral","sentiment_score":0.18683112412691116,"channel":0,"num_words":2,"start":4779.5703,"end":4780.15},{"sentences":[{"text":"And, yeah, I'll talk 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talk to you soon.","start":4786.77,"end":4787.99,"sentiment":"positive","sentiment_score":0.5491378426551818}],"sentiment":"positive","sentiment_score":0.5491378426551818,"channel":0,"num_words":5,"start":4786.77,"end":4787.99},{"sentences":[{"text":"You too.","start":4788.17,"end":4788.65,"sentiment":"positive","sentiment_score":0.5195841789245605},{"text":"I appreciate everything you've done.","start":4788.65,"end":4790.25,"sentiment":"positive","sentiment_score":0.8274378418922425},{"text":"Cheers.","start":4790.25,"end":4790.75,"sentiment":"positive","sentiment_score":0.6704133749008179}],"sentiment":"positive","sentiment_score":0.7308463677763939,"channel":1,"num_words":8,"start":4788.17,"end":4790.75},{"sentences":[{"text":"No worries.","start":4790.7847,"end":4791.525,"sentiment":"positive","sentiment_score":0.452421635389328},{"text":"Have a good one.","start":4791.585,"end":4792.2246,"sentiment":"positive","sentiment_score":0.6146214753389359},{"text":"I'll talk to you 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They recommend selling properties to increase tax payments and discuss the benefits of being in the market. The speaker emphasizes the importance of protecting investments and maintaining an investment portfolio for future growth, as well as the need for anogenity to ensure proper allocation of funds. The agent provides advice on ongoing service fees and recommends the advice document and fill out a blurb. The call ends with the agent thanking the customer and ending the conversation."},"intents":{"segments":[{"text":"He just sends me lovely pictures of gold all the time.","start_word":351,"end_word":361,"intents":[{"intent":"Receive and receive pictures","confidence_score":0.00030103634}]},{"text":"How's everything going with the prospecting?","start_word":384,"end_word":389,"intents":[{"intent":"Confirm and discuss prospecting","confidence_score":0.0007686302},{"intent":"Report and review prospecting","confidence_score":0.0066196}]},{"text":"it is a very nice commodity in all honesty. It has been going bank gangbusters for a while. And, look, this year with the amount of volatility we are seeing, again, commodities are really important, and people do want some of them. So I think you're right. I think we're gonna be seeing that for a while to come yet. So Yeah.","start_word":506,"end_word":567,"intents":[{"intent":"Express concern about commodity","confidence_score":0.016980926},{"intent":"Predict commodity decline","confidence_score":0.000018106759}]},{"text":"Bloody Elon Musk. He's a nutcase, that's right. Like, I tell you, all these all these CEOs and rich and wealthy people, they're all they're all a little bit they're, you know, they got bit of ADHD or autism or something like I do, like we all do. Yeah.","start_word":582,"end_word":630,"intents":[{"intent":"Explain elon musk's behavior","confidence_score":0.020534093}]},{"text":"Just while you're jumping into that, just letting you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to record the rest of the call? Sure. Go for it.","start_word":766,"end_word":803,"intents":[{"intent":"Record calls","confidence_score":0.086196005}]},{"text":"I also do I also do use it for being able to help me do my file noting.","start_word":871,"end_word":888,"intents":[{"intent":"Use system","confidence_score":0.060222413}]},{"text":"I can kinda prompt myself utilizing the AI file note system.","start_word":969,"end_word":979,"intents":[{"intent":"Prompt ai software","confidence_score":0.00019548192}]},{"text":"I just have to do security with you as well then. If you can just let me know your full name, date of birth, and address, I should have on file for you.","start_word":1027,"end_word":1059,"intents":[{"intent":"Provide security","confidence_score":0.1725789},{"intent":"Get the caller's information","confidence_score":0.000006728145}]},{"text":"You wanna access super at the age of 60, but you have other goals of being able to retire earlier than that. We've also Sorry.","start_word":1363,"end_word":1387,"intents":[{"intent":"Access super super","confidence_score":0.06329478}]},{"text":"The next section here is about our personal insurances. So you do have your insurances within Aware Super there. We are retaining the income protection component. You're not really worried about life and TPD. They don't have any of that anyway. You do also have an employer paid policy that you kinda sent to me. So we have had a good review of that for you, and I've made a recommendation on that one for you. Yep.","start_word":1450,"end_word":1526,"intents":[{"intent":"Discuss personal insurance and estate planning","confidence_score":0.0045506028}]},{"text":"So we've looked at personal investments and how to structure that for you.","start_word":1628,"end_word":1640,"intents":[{"intent":"Discuss personal investment options","confidence_score":0.009599428}]},{"text":"So to make it easier, if you scroll down past the limited advice warning, that's just letting you know that this advice is a limited advice document which goes in and out areas that we are and are not providing advice around.","start_word":1773,"end_word":1814,"intents":[{"intent":"Get advice","confidence_score":0.0020449741}]},{"text":"So when it comes to the estate planning side of things, we do put a recommendation in there to speak to a solicitor to have a will and power of attorney drawn up, but we don't do those for you. So we can refer you to a solicitor to do for the drawing of a will and power of attorney. Or if you do have one that you're comfortable working with, that's always fine as well. Okay?","start_word":1822,"end_word":1898,"intents":[{"intent":"Refer to solicitor","confidence_score":0.8447953}]},{"text":"Have you got any pay rises?","start_word":2081,"end_word":2086,"intents":[{"intent":"Confirm payment","confidence_score":0.00518821}]},{"text":"Well, when you do, feel free to let us know, and we can always update the advice to reflect for you, okay, Yep. if there's Yep. any need to. Perfect.","start_word":2183,"end_word":2212,"intents":[{"intent":"Update advice","confidence_score":0.32066727}]},{"text":"Did you want me to update the advice document so it sort No. of reflects that to you or just in the back end is fine? Yeah.","start_word":2264,"end_word":2290,"intents":[{"intent":"Update advice document","confidence_score":0.4705906}]},{"text":"Did you want me to update the advice document so it sort No. of reflects that to you or just in the back end is fine? Yeah. Back end.","start_word":2264,"end_word":2292,"intents":[{"intent":"Update the back end","confidence_score":0.0016096213}]},{"text":"The next page that outlines your assets and liabilities there is double checking to see if there's been any major changes at all. This is from when we did the annual review back in January. So there could be some changes to maybe update there, but I just wasn't really sure if you needed any of those figures updated. It's it's really just the savings that kind of reflects in the advice document.","start_word":2362,"end_word":2434,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.15754408},{"intent":"Update and summarize the data","confidence_score":2.3562373e-7}]},{"text":"I've updated the document to reflect that, and we are do definitely wanna do a transfer of everything but 10,000. But I just wanted to provide this and update the advice for you first up. Yep.","start_word":2545,"end_word":2580,"intents":[{"intent":"Update document","confidence_score":0.60097086}]},{"text":"And then you've got your VMIA policy as well. This is the employer paid policy there. I had a really good look at the information provided, read the PDF document, went through it all. This is essentially an outline of the policy, and I've got more details below for you. It does offer a lump sum benefit. We are limited to knowing exactly what the lump sum is and what it is paid on.","start_word":2733,"end_word":2806,"intents":[{"intent":"Provide information","confidence_score":0.04521774}]},{"text":"It does offer a lump sum benefit. We are limited to knowing exactly what the lump sum is and what it is paid on. It seems to give us, like, a list of different scenarios that the lump sum benefit could be paid out at and how long you need to be have provided service to be able to get that lump sum benefit given the different circumstances.","start_word":2783,"end_word":2850,"intents":[{"intent":"Offer lump sum benefit","confidence_score":0.001890098},{"intent":"Offer lump sum benefit","confidence_score":0.07994726},{"intent":"Provide lump sum benefit","confidence_score":0.2553209}]},{"text":"And it also does offer a weekly benefit amount. It doesn't seem to have a waiting period, but it offers that for about a hundred and four weeks.","start_word":2877,"end_word":2904,"intents":[{"intent":"Highlight benefits","confidence_score":0.005957182}]},{"text":"So I have noted both of those to give you a bit of information around those. Okay?","start_word":2949,"end_word":2965,"intents":[{"intent":"Provide information","confidence_score":0.47089174}]},{"text":"Now to make things easier, I will let you go and have a really good read of the entire document there. But if I can get you to scroll down for me straight to page number. Sorry.","start_word":2968,"end_word":3004,"intents":[{"intent":"Scroll document","confidence_score":0.0150802955}]},{"text":"This just seems to be the best way to kind of explain it so you're looking at the what it is I'm talking about as I'm explaining the advice to you.","start_word":3082,"end_word":3112,"intents":[{"intent":"Explain advice","confidence_score":0.3608918}]},{"text":"Now the first recommendation that we are making is with regard to the super there. So you were working towards being able to access super at the age of 60.","start_word":3226,"end_word":3255,"intents":[{"intent":"Recommend accessing super at 65","confidence_score":0.012565613}]},{"text":"So we do need to rebalance the portfolio back, and we're gonna sell a little bit of that.","start_word":3620,"end_word":3637,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.3837403}]},{"text":"You'll still have 6% invested, which is great, and it'll grow more. We're essentially cementing the gains that it has been so we can have that reinvested back into your portfolio and so that money continues to grow. Okay? Yep.","start_word":3639,"end_word":3678,"intents":[{"intent":"Invest funds","confidence_score":0.00710575}]},{"text":"So you might get money back on a monthly, fortnightly, or even your half yearly basis, And that's really good for your portfolio because money earned out of the investments is put back into your cash account and reinvested back into your portfolio. Okay?","start_word":4044,"end_word":4087,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.008381096}]},{"text":"You'll end up with some battery and lithium tech, some physical gold, some we've got some cybersecurity, the core composite bonds, the S and P 500 in The US, and then also some VanEck property, the beta shares Raffy 200, and also the beta shares a 200 at the bottom there. So that's what your portfolio will look like once it's all kinda being rebalanced for you. Okay? Yep.","start_word":4343,"end_word":4411,"intents":[{"intent":"Align portfolio performance","confidence_score":0.0001519726}]},{"text":"Now CDT consequences for going through and changing your portfolio. So because Benelong is down, it seems some losses. We're able to offset a lot of the CDT consequences with the losses there. But by rebalancing your portfolio, it's estimated the CGT cost on your super fund, the tax cost will be $337.","start_word":4743,"end_word":4795,"intents":[{"intent":"Calculate cdt fees","confidence_score":0.0020637955}]},{"text":"So our fee is linked to the performance of your portfolio, which is really important. Okay? Yep.","start_word":5133,"end_word":5149,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.008049491}]},{"text":"We are also recommending that you do retain the Aware super as well as the Hub 24. We'll do regular annual rollovers of everything by $1,010,000 dollars.","start_word":5487,"end_word":5513,"intents":[{"intent":"Retain earnings","confidence_score":0.0035141017}]},{"text":"So if anything was to happen, even though you do have some savings set aside there, because we are looking to invest that money, having the income protection provides an extra layer of cover.","start_word":5817,"end_word":5850,"intents":[{"intent":"Explain income policy","confidence_score":0.0012863609}]},{"text":"So if anything was to happen, even though you do have some savings set aside there, because we are looking to invest that money, having the income protection provides an extra layer of cover. And while the benefit is probably not, it's a little bit lower than where you would realistically need based on income, it is still providing you with a level of benefit that we can always use to substitute with investment income if we needed to down the track.","start_word":5817,"end_word":5898,"intents":[{"intent":"Submit benefits","confidence_score":0.00005268097}]},{"text":"Does that all make sense so far? Yeah. Pretty much.","start_word":5920,"end_word":5929,"intents":[{"intent":"Confirm understanding","confidence_score":0.0054112063}]},{"text":"So sometimes it can be hard, and I'm sort of going through the pages and looking at the things I need to to explain it to you, but sometimes it's easier when you go back and you sit down with it and have a bit of a read without me in your ear. It can always sort of make a little bit more sense, and then you can always come back and ask me extra questions later on as well. No. No.","start_word":5984,"end_word":6065,"intents":[{"intent":"Suggest continuing reading","confidence_score":0.000042761294}]},{"text":"I am recommending, obviously, that you don't, you know, keep it. There's no way for you to cancel it, but it is a really good policy to make sure that you do have access to and are able to retain.","start_word":6193,"end_word":6232,"intents":[{"intent":"Recommend keeping policy","confidence_score":0.68019176},{"intent":"Recommend maintaining policy","confidence_score":0.004091393},{"intent":"Recommend checking coverage coverage","confidence_score":0.0001749811},{"intent":"Recommend holding policy","confidence_score":0.0014087876}]},{"text":"I am recommending, obviously, that you don't, you know, keep it. There's no way for you to cancel it, but it is a really good policy to make sure that you do have access to and are able to retain. It is paid entirely by your employer, so at no cost to you.","start_word":6193,"end_word":6245,"intents":[{"intent":"Explain policy policies","confidence_score":0.0053611347}]},{"text":"The best insurances are the ones that you don't have to pay for. And it does provide, depending on the circumstances you're in and the accident available, a lump sum benefit of up to 250,000 there.","start_word":6245,"end_word":6280,"intents":[{"intent":"Explain insurance coverage","confidence_score":0.006077427}]},{"text":"The benefits to holding this policy are that it provides twenty four seven worldwide coverage, not limited to what sorry. You're right.","start_word":6335,"end_word":6356,"intents":[{"intent":"Explain policy benefits","confidence_score":0.0819969},{"intent":"Explain policy benefits","confidence_score":0.08418286},{"intent":"Explain policy coverage","confidence_score":0.0056616287}]},{"text":"The policy we had noted offers a $2,000 benefit. So I'm not sure whether it increases depending on the income at the time of claim, but we've noted essentially what the certificate of currency has on it that we were able to get.","start_word":6453,"end_word":6495,"intents":[{"intent":"Share benefits","confidence_score":0.000082871746}]},{"text":"The disadvantages of retaining this policy are that preexisting medical conditions are not covered.","start_word":6617,"end_word":6630,"intents":[{"intent":"Retain insurance","confidence_score":0.015205091}]},{"text":"it it just says it provides twenty four seven worldwide coverage. So if you have an accident, you can contact them 247, and someone will be able to help you with the claim. Yeah.","start_word":6843,"end_word":6876,"intents":[{"intent":"Provide coverage","confidence_score":0.22025195},{"intent":"Contact medicare offices","confidence_score":0.004395008}]},{"text":"Did they claim successfully on the policy?","start_word":6997,"end_word":7003,"intents":[{"intent":"Discuss policy claim","confidence_score":0.10279546}]},{"text":"So, realistically, if you're hoping to retire around about the age of 50, then we probably won't need to have it any longer than that. So we'll just keep reviewing it as long as we need to.","start_word":7097,"end_word":7133,"intents":[{"intent":"Determine policy duration","confidence_score":0.00052120665},{"intent":"Discuss retirement plan","confidence_score":0.069615126}]},{"text":"So, realistically, if you're hoping to retire around about the age of 50, then we probably won't need to have it any longer than that. So we'll just keep reviewing it as long as we need to. If there's any ever a point that you don't think you want it anymore and you're comfortable canceling it, absolutely, we can do that.","start_word":7097,"end_word":7157,"intents":[{"intent":"Cancel policy","confidence_score":0.008440514},{"intent":"Refuse policy cancellation","confidence_score":0.0004125537}]},{"text":"of course, that could that's flexible by another three or four years through you. Yep.","start_word":7248,"end_word":7262,"intents":[{"intent":"Inquire about flexible policy","confidence_score":0.0010215122}]},{"text":"If you can scroll down further for me, the next recommendation is around that investment option, and that's on page number 29.","start_word":7288,"end_word":7309,"intents":[{"intent":"Recommend investment options","confidence_score":0.07453203}]},{"text":"We are looking at a growth portfolio.","start_word":7730,"end_word":7736,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.013071371}]},{"text":"Essentially, holding this investment and having it work, as long as it provides and if it was able to get this standard rate of return over the next five to six to ten years, you can see below where, essentially, you could end up. Yep.","start_word":8065,"end_word":8109,"intents":[{"intent":"Track investments and expectations","confidence_score":0.0020740835}]},{"text":"So it does look like projected forward.","start_word":8835,"end_word":8841,"intents":[{"intent":"Calculate projection time","confidence_score":0.000015890128}]},{"text":"We'll talk about what's happening. We'll look at what your goals are and keep trying to sort of project things at to see where we're tracking, where we're heading. And when you get closer to that fifty fifty one, we can actually sort of have a look at what we're what we're sitting on and how that's gonna look for you and how it's gonna work. Does that make sense? Yes.","start_word":8879,"end_word":8949,"intents":[{"intent":"Evaluate project progress","confidence_score":0.00052960124}]},{"text":"When you sort of look at that, if you look at the contribution over the next sort of because they're looking at the next sort of five years five to six years, if we're putting $450 into the investment on a monthly basis, That's $5,400 there. For a year over six years, there's an extra 32,400 plus a 160,000. That gives you a 192.","start_word":9187,"end_word":9250,"intents":[{"intent":"Discuss yearly investment","confidence_score":0.005187455}]},{"text":"Putting the regular amount in on a monthly basis for dollar cost averaging in is really good for risk mitigation as well because you're buying into the investments regardless of the price, whether they're up or down.","start_word":9294,"end_word":9330,"intents":[{"intent":"Recommend monthly investment","confidence_score":0.0015228261},{"intent":"Discuss cost averaging","confidence_score":0.08833521}]},{"text":"forty one eight hundred drawdown each year. How would I be taking that out each year? As a lump sum, or would I just be taking it out on a fortnightly or monthly basis or whatever?","start_word":9510,"end_word":9545,"intents":[{"intent":"Provide information on yearly withdrawals","confidence_score":0.00006708643}]},{"text":"We will not you'll need to account for that when you see your tax agent, but you'll be drawing less out. So, you know, the tax free threshold is 18,200. Drawing $800 on a weekly basis is 41,800 there, so you are lowering your taxable income. So you should pay Yeah.","start_word":9928,"end_word":9978,"intents":[{"intent":"Determine tax deduction requirements","confidence_score":0.00030983976},{"intent":"Determine tax deduction","confidence_score":0.00018596037}]},{"text":"So, you know, the tax free threshold is 18,200. Drawing $800 on a weekly basis is 41,800 there, so you are lowering your taxable income. So you should pay Yeah.","start_word":9948,"end_word":9977,"intents":[{"intent":"Determine tax threshold","confidence_score":0.032108583}]},{"text":"One of the things one of the questions you had was about whether you sell that land or not.","start_word":10311,"end_word":10329,"intents":[{"intent":"Inquire about selling land","confidence_score":0.0031859626}]},{"text":"It is better to hold it. If you hold it till after retirement, then, you Yep. know, you'll be on more of a lower tax rate, so selling it could have less of a tax consequence for you. So I have recommended to keep hold of that for the time being. Okay? Yep.","start_word":10508,"end_word":10560,"intents":[{"intent":"Recommend holding land","confidence_score":0.06623067}]},{"text":"The main one thing there that by keeping a hold of the land, there is it could sustain additional growth moving forward, meaning that you could sell it for more when you get down the track.","start_word":10577,"end_word":10612,"intents":[{"intent":"Discuss potential future growth","confidence_score":0.0791267},{"intent":"Explain potential future growth","confidence_score":0.0075598336}]},{"text":"Another conversation we had was that you were possibly looking to hold it to maybe pass down to your daughter and or sell in retirement.","start_word":10613,"end_word":10637,"intents":[{"intent":"Discuss potential holding for retirement","confidence_score":0.009988826}]},{"text":"Another conversation we had was that you were possibly looking to hold it to maybe pass down to your daughter and or sell in retirement. You have those options by holding on to it. It's there's no guarantees that the land will grow in value. The disadvantages are that you still have to pay your rates and, yeah, and Yeah. state taxes on that as moving forward, so that is a disadvantage to keeping it.","start_word":10613,"end_word":10687,"intents":[{"intent":"Clarify potential holdings","confidence_score":0.000049796072}]},{"text":"if if if Jay if I would just say, well, to sell it and I put it yeah. You talk about, you know, 1,000,000. I paid what I paid for it, the difference. If I put all of that into the same investment portfolio, this new one that you're designing, what what would that how big an impact would that make?","start_word":10804,"end_word":10864,"intents":[{"intent":"Analyze tax impact","confidence_score":0.020119037}]},{"text":"It's just my main concern was adding the increase of tax bill to your current income tax and increasing your income estimates. And then if you've got an investment portfolio on top of that, you're paying CGT and income tax from the investment portfolio. It can increase your tax bill pretty high. So I kind of, Yeah.","start_word":11113,"end_word":11169,"intents":[{"intent":"Optimize income tax bills and cgt taxes","confidence_score":1.2704143e-7}]},{"text":"Do you know How can about I help Will's? you?","start_word":11998,"end_word":12007,"intents":[{"intent":"Instruct attorney about will","confidence_score":0.000034284643}]},{"text":"I would probably have a look into that because if you were It. made sole executor, you would have had to have a bit more of a say in how all that was to go. If the if everything had been directed to her, then that's probably why she's received it all. You would need to have a look at the will and how it is set up and drawn.","start_word":12242,"end_word":12311,"intents":[{"intent":"Review executor options","confidence_score":0.00019690464}]},{"text":"debts that need to be paid out needs to be covered, and an executive needs to take care of those things.","start_word":12586,"end_word":12606,"intents":[{"intent":"Cover debts","confidence_score":0.07274386}]},{"text":"An executive can be, say, a family member, a friend, or you can direct a solicitor to be an executive on your behalf as well. So Yeah.","start_word":12606,"end_word":12632,"intents":[{"intent":"Direct solicitors","confidence_score":0.090407945}]},{"text":"meant to be myself and of my and my step sisters. And my last conversation, she said, oh, I've gotta go and catch up with my daughter. I'm very clear the will.","start_word":12647,"end_word":12678,"intents":[{"intent":"Catch up with step sisters","confidence_score":0.22386995}]},{"text":"My car running cost at the start of the January this year. That's So right.","start_word":12760,"end_word":12774,"intents":[{"intent":"Help with car running cost","confidence_score":0.022078488}]},{"text":"Because is your relationship quite well with your dad's partner? Yeah.","start_word":12834,"end_word":12844,"intents":[{"intent":"Discuss relationship with partner","confidence_score":0.029395916}]},{"text":"And, look, the good the good thing with having a investment account there is if you open it and go forward with the advice and you decide at any point it's not working, you don't really want it, we can always close it and draw the funds back out. It's absolutely fine.","start_word":13073,"end_word":13124,"intents":[{"intent":"Discuss investment options","confidence_score":0.033582002}]},{"text":"If you you can always put more into it. If you say, hey. I've got an extra, you know, 5,000 here or an extra $100 here or there, you can be putting extra money into it to provide greater benefit and sorta help you along a bit more.","start_word":13393,"end_word":13440,"intents":[{"intent":"Invest money","confidence_score":0.0042685126}]},{"text":"Well, realistically, you're still in the same tax bracket. It does mean you're paying more income tax.","start_word":13682,"end_word":13698,"intents":[{"intent":"Clarify tax bracket","confidence_score":0.03621555}]},{"text":"Well, realistically, you're still in the same tax bracket. It does mean you're paying more income tax. It could be an advantage.","start_word":13682,"end_word":13703,"intents":[{"intent":"Explain tax benefits","confidence_score":0.21433637}]},{"text":"Well, realistically, you're still in the same tax bracket. It does mean you're paying more income tax. It could be an advantage. You could be putting you have a bit more money aside to put into the investment. It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax.","start_word":13682,"end_word":13757,"intents":[{"intent":"Explain tax impact on investments","confidence_score":0.00031940662}]},{"text":"It could be an advantage. You could be putting you have a bit more money aside to put into the investment. It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax. So you could end up with a tax bill as opposed to a refund. So there are advantages and disadvantages to both.","start_word":13699,"end_word":13779,"intents":[{"intent":"Discuss potential advantages","confidence_score":0.000064972664}]},{"text":"You could be putting you have a bit more money aside to put into the investment. It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax. So you could end up with a tax bill as opposed to a refund. So there are advantages and disadvantages to both. Yep.","start_word":13704,"end_word":13780,"intents":[{"intent":"Inform about portfolio performance","confidence_score":0.000006127481}]},{"text":"But if that that so that investment of of mine is going after, that's what I wanted to do. So yep.","start_word":13781,"end_word":13801,"intents":[{"intent":"Suggest investment decision","confidence_score":0.00059065537},{"intent":"Suggest investing alternatives","confidence_score":0.0000010284291}]},{"text":"And there are offsets that you can have. So you get a tax statement when you are invested. You there you get a tax statement every year. So your accountant goes through and inputs the information from the tax statement, noting the income, the CGT, but there's also deductions in those statements that they can add as well. So you get ranking credits on dividends. It is income or income tax paid from overseas investments like the S and P 500.","start_word":13807,"end_word":13887,"intents":[{"intent":"Define tax deductions","confidence_score":0.00007841791},{"intent":"Explain tax deductions","confidence_score":0.09232466},{"intent":"Inform about tax deductions","confidence_score":0.0007013216}]},{"text":"So you get a tax statement when you are invested. You there you get a tax statement every year. So your accountant goes through and inputs the information from the tax statement, noting the income, the CGT, but there's also deductions in those statements that they can add as well.","start_word":13815,"end_word":13864,"intents":[{"intent":"Offer tax statement deductions","confidence_score":0.001980563},{"intent":"Request tax statement","confidence_score":0.000009653082},{"intent":"Offer tax statements","confidence_score":0.00009592165}]},{"text":"There are taxation consequences in, like, The US for investing within The US and things like that.","start_word":13888,"end_word":13904,"intents":[{"intent":"Inquire about tax consequences","confidence_score":0.00047390794},{"intent":"State benefits and deductions","confidence_score":0.00028302424}]},{"text":"I get that. Awesome. Oh, well, I'll just Cool. I've held you up for so long again. No. You're fine.","start_word":14039,"end_word":14058,"intents":[{"intent":"Apologize for mistake","confidence_score":0.0004199686}]},{"text":"I've held you up for so long again. No.","start_word":14048,"end_word":14056,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.0016603534}]},{"text":"All of the advice provided is just advice. It is the recommendation, so it's up to you whether you take on all of them, some of them, or none of them.","start_word":14304,"end_word":14334,"intents":[{"intent":"Recommends taking advice","confidence_score":0.000005959031}]},{"text":"And on the very last page of the advice document, you have a little text box. So if there's any part of the advice you don't wish to proceed with, we just need to write a little blurb in there, and we're happy, you know, not to proceed with anything that you tell us to not proceed with. Okay?","start_word":14335,"end_word":14393,"intents":[{"intent":"Discusses message","confidence_score":0.00012510756},{"intent":"Offers reminder","confidence_score":0.000012535339}]},{"text":"I'll I'll read through it, and I probably will have questions for you, but I'll get That's in touch okay.","start_word":14397,"end_word":14416,"intents":[{"intent":"Expresses desire to read","confidence_score":0.0012538914}]}]},"sentiments":{"segments":[{"text":"Hello? Hey, Nate. How are you?","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.09175354242324828},{"text":"Good.","start_word":6,"end_word":6,"sentiment":"positive","sentiment_score":0.4209555685520172},{"text":"Is that you, Diana?","start_word":7,"end_word":10,"sentiment":"neutral","sentiment_score":0.25669416785240173},{"text":"I'm good.","start_word":11,"end_word":12,"sentiment":"positive","sentiment_score":0.4335506856441498},{"text":"How are you? It is Athena from Oakview. Can you hear me okay? Yeah. Yeah. Yeah. I can. Yeah. Yep. You got me? I do. I've got you loud and clear. How's your No. day been? How's my day been? Yeah. Oh, very quite busy, actually. Yeah. Yep. I mean, Yeah. that that I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of I'm out of Yeah. Right. the machine operator. So we've Okay. been yeah. We're doing a planned very well, getting ready Yeah. to to light fires. Yeah. Nice. Nice. Busy day. Yeah. Well, Yeah. How I've about got you? your it's been really busy this week, actually. I've had a interesting week, but it's been good.","start_word":13,"end_word":178,"sentiment":"neutral","sentiment_score":0.023488493636250496},{"text":"Busy's been good. It's been productive.","start_word":179,"end_word":184,"sentiment":"positive","sentiment_score":0.6063187718391418},{"text":"So that's the most important part, really. Oh, cool. And how are you? Well Yeah. Good. Really well. Thank you. I'm so sorry that I missed your emails the other week. I don't know what happened, but I couldn't find them anywhere. That was yeah. really I don't I don't yes. But that's, like, I went and bizarre. double, triple checked. I'm like, no. It's just 10. I like to check. That's so weird. But I searched no. No. for them There everywhere. are, mate. They weren't coming up. I'm so sorry. Yeah. And They might okay. have got diverted to, like, one of the junk boxes or something, but that doesn't normally happen with your email. So Well, I don't I don't know.","start_word":185,"end_word":308,"sentiment":"neutral","sentiment_score":-0.07776974141597748},{"text":"That's probably what we get for being shaky, so no.","start_word":309,"end_word":318,"sentiment":"negative","sentiment_score":-0.536352276802063},{"text":"Never. I actually went back to my IT guy and said, just make sure these emails come through because, you know, I don't you. wanna don't wanna be missing anything from that.","start_word":319,"end_word":350,"sentiment":"neutral","sentiment_score":-0.08839739859104156},{"text":"He just sends me lovely pictures of gold all the time.","start_word":351,"end_word":361,"sentiment":"positive","sentiment_score":0.5062618255615234},{"text":"Yes. Yes. Oh, so well, did you did you get the last few pictures? I did.","start_word":362,"end_word":377,"sentiment":"neutral","sentiment_score":0.10425363481044768},{"text":"I found them eventually. They're fantastic.","start_word":378,"end_word":383,"sentiment":"positive","sentiment_score":0.5945303440093994},{"text":"How's everything going with the prospecting? I had a bit of a break the last two or three weeks, but Yep. I'll thank the last for my name, I might. Really got an ounce in 24 adults. So Yeah. Wow. that's that's yeah. But it just doesn't happen like that all the time.","start_word":384,"end_word":436,"sentiment":"neutral","sentiment_score":-0.0028621340170502663},{"text":"It's very hit and miss.","start_word":437,"end_word":441,"sentiment":"negative","sentiment_score":-0.43648210167884827},{"text":"Yeah. So Yeah. Absolutely. Understandable. yeah. Yeah. But yeah. Yeah. Wow. Putting putting that aside with my little my little extra stuff. I haven't really packed any in. Sometimes I think, oh, maybe I should be the part of the dog, but I don't know. I can't see it going going down. Hey. It could go down. I did It it some is time. it is a very nice commodity in all honesty. It has been going bank gangbusters for a while. And, look, this year with the amount of volatility we are seeing, again, commodities are really important, and people do want some of them. So I think you're right. I think we're gonna be seeing that for a while to come yet. So Yeah. Yeah. Yeah. What else is Yeah. yeah. What else did I say about that? Bloody Elon Musk. He's a nutcase, that's right. Like, I tell you, all these all these CEOs and rich and wealthy people, they're all they're all a little bit they're, you know, they got bit of ADHD or autism or something like I do, like we all do. Yeah. Yeah. But but they're saying it's like, they're weird creatures, some of them. What did he Yeah. say the other day? He's getting interviewed, and they asked about retirement in twenty years' time. What are are people gonna have home help? How much money are they gonna need to be able to be cared for? And Yeah. anyone must anyone must answer was just don't bother saving for it. You won't need it in twenty years' time. I'm like, Yeah. Yeah. Friday. Are you on? It'll he's an interesting soul, that one in me. Yeah. Most definitely. Yeah. Anyway All yeah.","start_word":442,"end_word":731,"sentiment":"neutral","sentiment_score":-0.0639491952184973},{"text":"good.","start_word":732,"end_word":732,"sentiment":"positive","sentiment_score":0.514987587928772},{"text":"I have your advice document for you. I've emailed it through. Do you have access to your emails there at the moment? Yeah. I should do. I'll just get in. You're right.","start_word":733,"end_word":764,"sentiment":"neutral","sentiment_score":0.17600536346435547},{"text":"Easy.","start_word":765,"end_word":765,"sentiment":"positive","sentiment_score":0.3422918915748596},{"text":"Just while you're jumping into that, just letting you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to record the rest of the call? Sure. Go for it.","start_word":766,"end_word":803,"sentiment":"neutral","sentiment_score":0.21941916644573212},{"text":"Fantastic.","start_word":804,"end_word":804,"sentiment":"positive","sentiment_score":0.6113165616989136},{"text":"Do you really use it for training purposes? Not really. No. It's more just to make sure that I'm doing my job correctly. Yeah. Yep. Yep. Okay. Alright. Well, you I hope you are. That was a that was a that was a Yeah. little bit of a laugh with a little bit of a something there. I am. Don't worry. I'll look after you. No. I also do I also do use it for being able to help me do my file noting. So because I do have, like, a lot of people booked in on a daily basis, I can have anywhere from, say, three to six or seven clients to talk to on a daily basis. So you kinda forget some of the conversations that you have. So I do keep the call recordings, and I can put them through a system that helps me to generate my file notes. So I don't have to remember everything about the last conversation. I can kinda prompt myself utilizing the AI file note system. So it is pretty cool for that purpose as well. You're starting to get older and forgetful. I am. I I need am. to do that permanently. I need to record everything because I I forget what I've done five minutes ago. Oh, god. Yeah.","start_word":805,"end_word":1024,"sentiment":"neutral","sentiment_score":0.07672433670271527},{"text":"Oh, good.","start_word":1025,"end_word":1026,"sentiment":"positive","sentiment_score":0.5494271516799927},{"text":"I just have to do security with you as well then. If you can just let me know your full name, date of birth, and address, I should have on file for you. Nathaniel John Bricknell, twenty ninth of the eighth Yep. '81. Address, I hope it's Unit 2 14 McMillan Street. Yep. That's the one. Oh, Street Street.","start_word":1027,"end_word":1085,"sentiment":"neutral","sentiment_score":0.08989974856376648},{"text":"Perfect. Beautiful. Thank you so much for that.","start_word":1086,"end_word":1093,"sentiment":"positive","sentiment_score":0.6986700892448425},{"text":"Now how's that email pop through to you there? Have you managed to grab that one Mhmm. at all? Yeah. I've opened up. It just says it's from you, and it says sign document. Yep. So when you click on that button that says sign documents, it should take you through so you can view the statement of advice there. Yep. Opening up now.","start_word":1094,"end_word":1157,"sentiment":"neutral","sentiment_score":0.090914748609066},{"text":"Perfect.","start_word":1158,"end_word":1158,"sentiment":"positive","sentiment_score":0.39145976305007935},{"text":"Yep. I got it.","start_word":1159,"end_word":1162,"sentiment":"neutral","sentiment_score":0.2642321288585663},{"text":"Perfect.","start_word":1163,"end_word":1163,"sentiment":"positive","sentiment_score":0.3579174280166626},{"text":"So on the first page there, you'll see statement of advice prepared for yourself, Nathaniel Brickner, as of the 03/19/2026, which is today. And it's being completed and organized by myself and my lovely team here at Oakview Financial. My authorized representative number is on the bottom of that for you. It's 1304394. Okay? Yep. If you scroll forward to the next page there, you'll see it does note best interest duty. It's just letting you know there that we take pride in making sure that any advice provided is there to help you meet your goals. We provide advice under the best interest duty, and any advice provided does need to be in your best interest. And through the document here, we do outline a best interest duty on how the recommendations are there are made in your best interest and how they are there to help you meet your goals. Okay? Yep. If you scroll down past the table of contents, you've got a couple of pages noting the scope in, scope out section. So areas that we are looking at at the moment are superannuation, looking at helping you make your super work towards your goals. You wanna access super at the age of 60, but you have other goals of being able to retire earlier than that. We've also Sorry. Sorry. we've no. You're fine.","start_word":1164,"end_word":1392,"sentiment":"neutral","sentiment_score":0.11823489516973495},{"text":"You cut me off.","start_word":1393,"end_word":1396,"sentiment":"negative","sentiment_score":-0.561145007610321},{"text":"It's fine.","start_word":1397,"end_word":1398,"sentiment":"positive","sentiment_score":0.4564193785190582},{"text":"Like, this is your time. This is your document. If you need me to stop or you have questions or anything that you wanna add, you let me know. Okay?","start_word":1399,"end_word":1428,"sentiment":"neutral","sentiment_score":0.2549114227294922},{"text":"I'm more than happy for to stop and sort of let you jump in at any point. Awesome. Thanks. That's okay.","start_word":1429,"end_word":1449,"sentiment":"positive","sentiment_score":0.622165322303772},{"text":"The next section here is about our personal insurances. So you do have your insurances within Aware Super there. We are retaining the income protection component. You're not really worried about life and TPD. They don't have any of that anyway. You do also have an employer paid policy that you kinda sent to me.","start_word":1450,"end_word":1504,"sentiment":"neutral","sentiment_score":0.1522938758134842},{"text":"So we have had a good review of that for you, and I've made a recommendation on that one for you.","start_word":1505,"end_word":1525,"sentiment":"positive","sentiment_score":0.3505024313926697},{"text":"Yep. We've got the estate planning side of things in there as well. So you wanna give beneficiaries to be paid to your daughter. She is a minor, but making sure that she receives the benefit. So I have made a recommendation to assist you with that. And we've also got your personal investment side of things. So you're hoping to be able to retire earlier than 60, say, between 50 to 55. So you've got some money set aside and wanted to sort of have a goal of drawing down an income of between $6,600 per week to 800 per week. So we've looked at personal investments and how to structure that for you. We have also considered what to do with the investment prop with your land as well. One of those there was something else you asked me to look into was what to do with the land. So I have also popped in there a little bit on whether you sell that or not. Okay? Yep. Oh, no. What have I done? Perfect. You alright? Are you okay? Yeah. Yeah. I just I zoomed too far in.","start_word":1526,"end_word":1716,"sentiment":"neutral","sentiment_score":0.12217652797698976},{"text":"All good. It's all good. All good.","start_word":1717,"end_word":1723,"sentiment":"positive","sentiment_score":0.46468180418014526},{"text":"And then areas that we've scoped out is just the personal insurance side of things. So you don't have life, TPD, and trauma. You weren't sort of worried too much about about those sorts of options there. We've scoped those out of the advice document. Okay? Yep.","start_word":1724,"end_word":1770,"sentiment":"neutral","sentiment_score":0.07131118327379227},{"text":"Perfect.","start_word":1771,"end_word":1771,"sentiment":"positive","sentiment_score":0.38703128695487976},{"text":"So to make it easier, if you scroll down past the limited advice warning, that's just letting you know that this advice is a limited advice document which goes in and out areas that we are and are not providing advice around. You've also got here that we're not lawyers. So when it comes to the estate planning side of things, we do put a recommendation in there to speak to a solicitor to have a will and power of attorney drawn up, but we don't do those for you. So we can refer you to a solicitor to do for the drawing of a will and power of attorney. Or if you do have one that you're comfortable working with, that's always fine as well. Okay? Yep. We've also got it in here that under the Better Advice app 2021, I am a qualified relevant tax provider. That essentially means that I'm able to provide financial advice around tax and tax related issues. However, we're not accountants. So we can't do your tax return for you, but we can refer you to a qualified tax accountant should you require the services of one. And we provide advice around personal insurance products, so things like life, TPD, income protection, certain types of business liability insurances. Other types of insurances are general insurance products, and we don't provide advice around general insurance products, but we can refer you through to a general insurance broker if you require the services of one. All good? Yep.","start_word":1772,"end_word":2024,"sentiment":"neutral","sentiment_score":0.08046295493841171},{"text":"Perfect.","start_word":2025,"end_word":2025,"sentiment":"positive","sentiment_score":0.5087084770202637},{"text":"The next page has the about you section. If you can just run your eyes over that one for me. About Just to you to oh, yeah. Yep. yeah. You're Just let me know if there's been any major changes there at all.","start_word":2026,"end_word":2068,"sentiment":"neutral","sentiment_score":0.06207720190286637},{"text":"Nice pay increase under the sun at all.","start_word":2069,"end_word":2076,"sentiment":"positive","sentiment_score":0.382509708404541},{"text":"The pay increase? Yeah. Have you got any pay rises? No. But we finally we have to walk in the streets of Melbourne and rally, and no one knew who the hell we were and just stared at us. But Oh, we've wow.","start_word":2077,"end_word":2119,"sentiment":"neutral","sentiment_score":-0.06201274320483208},{"text":"got a much better deal on the table. They're just finalizing it.","start_word":2120,"end_word":2131,"sentiment":"positive","sentiment_score":0.43908634781837463},{"text":"I'll get that paid only to January even though they've delayed delayed it by over a year. Yeah. So I will be getting a I think it might be worth about 5 or 6,000 a year, and that should should be getting passed shortly. Okay.","start_word":2132,"end_word":2176,"sentiment":"neutral","sentiment_score":0.07430674135684967},{"text":"Perfect. Perfect. That'll Yeah. be great.","start_word":2177,"end_word":2182,"sentiment":"positive","sentiment_score":0.5298324823379517},{"text":"Well, when you do, feel free to let us know, and we can always update the advice to reflect for you, okay, Yep. if there's Yep. any need to. Perfect. I'm with with marital status. Like, I mean, Yes. separated, settlements done, dusted. Can I just be marital status blank? You can be single if you want. Yeah. Yeah. Well, yeah, let's Yep. just go with that or blank or something. Yep. But That's fine. Not cool. a problem at all. Did you want me to update the advice document so it sort No. of reflects that to you or just in the back end is fine? Yeah. Back end. Hell Yep. no. Don't don't don't No. go That's any way just for that. that's okay. It's honestly not a problem at all. I'll make a note here that moving forward, you'll be known as single until you find the girl of your dreams. Okay?","start_word":2183,"end_word":2337,"sentiment":"neutral","sentiment_score":0.05050989240407944},{"text":"Thank you.","start_word":2338,"end_word":2339,"sentiment":"positive","sentiment_score":0.3363187313079834},{"text":"Health status.","start_word":2340,"end_word":2341,"sentiment":"neutral","sentiment_score":0.16630171239376068},{"text":"Good. Love it.","start_word":2342,"end_word":2344,"sentiment":"positive","sentiment_score":0.468375027179718},{"text":"Good. Things don't look. Yeah. Everything's the Oh. same. Everything's good? Yep. Pretty much. Yep.","start_word":2345,"end_word":2359,"sentiment":"neutral","sentiment_score":0.13419529795646667},{"text":"Perfect. Excellent.","start_word":2360,"end_word":2361,"sentiment":"positive","sentiment_score":0.465692937374115},{"text":"The next page that outlines your assets and liabilities there is double checking to see if there's been any major changes at all. This is from when we did the annual review back in January. So there could be some changes to maybe update there, but I just wasn't really sure if you needed any of those figures updated. It's it's really just the savings that kind of reflects in the advice document. But if anything else has changed, I'm happy to update it in the back end for you. Look. Like, the accounts have probably gone up maybe by three or four thousand Yep. That's okay.","start_word":2362,"end_word":2468,"sentiment":"neutral","sentiment_score":0.1361127942800522},{"text":"overall. That's good.","start_word":2469,"end_word":2471,"sentiment":"positive","sentiment_score":0.46145114302635193},{"text":"Yeah. Yep. Yep. Yep. That's fine.","start_word":2472,"end_word":2477,"sentiment":"neutral","sentiment_score":0.15446776151657104},{"text":"Not a problem at all. Beautiful.","start_word":2478,"end_word":2483,"sentiment":"positive","sentiment_score":0.43531477451324463},{"text":"And then underneath here, we've also got your superannuation. So we didn't have 24. And Aware, you've got your two balances there reflective as they are when we completed the document there. So 3800578 in Aware super and $292.06 3 and 72<unk> and have 24 currently. Okay. Yep. Would that be due for transfer from Aware into Hub twenty four?","start_word":2484,"end_word":2544,"sentiment":"neutral","sentiment_score":0.046274904161691666},{"text":"Absolutely. I've updated the document to reflect that, and we are do definitely wanna do a transfer of everything but 10,000.","start_word":2545,"end_word":2565,"sentiment":"positive","sentiment_score":0.3385184407234192},{"text":"But I just wanted to provide this and update the advice for you first up. Yep.","start_word":2566,"end_word":2581,"sentiment":"neutral","sentiment_score":0.21500331163406372},{"text":"Okay. Awesome. Yep. Perfect.","start_word":2582,"end_word":2585,"sentiment":"positive","sentiment_score":0.5415080189704895},{"text":"The next page does outline your insurance policies there. The top the top ones are your Aware Super policies. You will see here that the policy for your income protection is noted as two separate, and that is because Aware noted as two separate policies. You do have one income protection. You're just paying for the two separate amounts. It's like they were fixed as separate policies in Aware. So when I got your statement through, we had a really good scan of it. Essentially, you're covered for a monthly benefit of about 5,000 that's before income tax is effective. You have a ninety day wait and a five year benefit period. They are steps policies. It's just that you just have they're just noted on your statement as two separate policies. So I noted them in here the same way your statement notes them. Okay. Yep.","start_word":2586,"end_word":2732,"sentiment":"neutral","sentiment_score":0.1061573401093483},{"text":"Perfect.","start_word":2733,"end_word":2733,"sentiment":"positive","sentiment_score":0.3371061384677887},{"text":"And then you've got your VMIA policy as well. This is the employer paid policy there. I had a really good look at the information provided, read the PDF document, went through it all. This is essentially an outline of the policy, and I've got more details below for you. It does offer a lump sum benefit. We are limited to knowing exactly what the lump sum is and what it is paid on. It seems to give us, like, a list of different scenarios that the lump sum benefit could be paid out at and how long you need to be have provided service to be able to get that lump sum benefit given the different circumstances. But it does offer a lump sum benefit in the event of certain illnesses or traumatic events or, you know, certain disabilities that might occur. Yep. And it also does offer a weekly benefit amount. It doesn't seem to have a waiting period, but it offers that for about a hundred and four weeks. Realistically, both of these policies have a place. This VMIA policy is not necessarily income protection. It's more just a like, a accident benefit, and it's employer paid.","start_word":2734,"end_word":2932,"sentiment":"neutral","sentiment_score":0.1535502590576009},{"text":"So it was actually not a bad benefit to keep to have on the side there.","start_word":2933,"end_word":2948,"sentiment":"positive","sentiment_score":0.43076056241989136},{"text":"So I have noted both of those to give you a bit of information around those. Okay? Yep.","start_word":2949,"end_word":2966,"sentiment":"neutral","sentiment_score":0.20419856905937195},{"text":"Perfect. Now to make things easier, I will let you go and have a really good read of the entire document there.","start_word":2967,"end_word":2988,"sentiment":"positive","sentiment_score":0.48152247071266174},{"text":"But if I can get you to scroll down for me straight to page number. Sorry. I think I've passed it. Was it the my lifestyle assets and liabilities? Nope. Nope. There is another I've got Our all the advice to you? no. I'll get you to scroll down for me, sorry, to page number 25. Yeah. Woah. 20 That's five. fine. Yep. Yeah. So Oh, good. I'll sort of show you the tables that gives you an outline. I'll what talk you through the advice as we're going through these tables here. This just seems to be the best way to kind of explain it so you're looking at the what it is I'm talking about as I'm explaining the advice to you. But then you can also go back later. I've got all the sections individually noted, which is kind of what you're going through at the moment to get to this page. And each of those individual sections out well, outlines the advice as I'm gonna explain it to you. Each individual section does have the advantages, disadvantages, and the risks involved and any, you know, risks, warnings, and any alternatives I've considered. So I'll run through what I need to with you, and then I'll let you go back and read it all. And then you can always come back to me with additional questions if you need to. Okay? Yep. Yep.","start_word":2989,"end_word":3224,"sentiment":"neutral","sentiment_score":0.13544265925884247},{"text":"Perfect.","start_word":3225,"end_word":3225,"sentiment":"positive","sentiment_score":0.5649341940879822},{"text":"Now the first recommendation that we are making is with regard to the super there. So you were working towards being able to access super at the age of 60. And when we sort of spoke at in January, we did note that some of your underlying investments had been underperforming. So we wanted to do a bit of a revamp of the, portfolio and make sure we're rolling some money out of Aware Super so that the money in hard '24 is working harder for you. That way, you're revamping things and removing those under underperforming underperforming investments. I do apologize. Sorry. You're good. So what we're gonna do here with regard to the recommendations, so moving all about 10,000 out of Aware, that just leaves you with $10,000 in Aware in the high growth option. There's no need to change that investment option.","start_word":3226,"end_word":3370,"sentiment":"neutral","sentiment_score":0.05952746511019509},{"text":"It does when we look at Aware and Hub 24, it does still keep you in line with your risk profile, which is great.","start_word":3371,"end_word":3394,"sentiment":"positive","sentiment_score":0.5725294351577759},{"text":"So removing about $28,005.78 and 45<unk> from Aware and investing that in the Hub twenty four. Inside Hub twenty four, we're also gonna alter the portfolio some. So Ben along Australian Equities, that's the second investment down under the Hub twenty four column. That Yep. one there has the one that's been underperforming. That's the one we spoke about. It has held your portfolio back a bit for the last few months. So we have made a decision to remove that completely from the portfolio. So we're selling all of that down. Within your hub 24, we're also gonna utilize and because Bennelong has seen some losses within the portfolio, we can utilize that to offset some of the gains and also rebalance your portfolio. So you're not overexposed to any particular area or or overexposing your portfolio to more risk than you need to because it is very volatile at the moment. So aside from selling all of that along there, we're also gonna sell a portion of the battery and lithium pack. We're selling all of the bank hybrids because they're about to be phased out, so we can sell them now whilst we are maneuvering the portfolio and replace that with something else. And, yes, Critical Gold is doing very, very well, but you do have a lot of it right now. So we do need to rebalance the portfolio back, and we're gonna sell a little bit of that.","start_word":3395,"end_word":3638,"sentiment":"neutral","sentiment_score":-0.04317443817853928},{"text":"You'll still have 6% invested, which is great, and it'll grow more. We're essentially cementing the gains that it has been so we can have that reinvested back into your portfolio and so that money continues to grow.","start_word":3638,"end_word":3675,"sentiment":"positive","sentiment_score":0.661848247051239},{"text":"Okay? Yep.","start_word":3676,"end_word":3677,"sentiment":"neutral","sentiment_score":0.2571422755718231},{"text":"That beautiful.","start_word":3678,"end_word":3679,"sentiment":"positive","sentiment_score":0.5543279051780701},{"text":"I thought when I saw the physical gold, I'm Mhmm. gonna I'm gonna have to focus on this one a bit because you'll be like, why are we selling gold? Well well well, it's not a bad price, really.","start_word":3680,"end_word":3718,"sentiment":"neutral","sentiment_score":0.06790107488632202},{"text":"It's not a bad price. It's a good price.","start_word":3719,"end_word":3727,"sentiment":"positive","sentiment_score":0.4157654047012329},{"text":"Once we've kinda completed those sell downs there, we're gonna buy into the cybersecurity. So we bring that back up from the 5% to about seven. We're gonna instead of having the core composite bonds, we're gonna hold this, the iShares core composite bond. So instead of bank hybrids, we're gonna hold the core composite bond. Essentially, because bank hybrids are being phased out in the future, we're gonna remove them now out of your portfolio so we don't have to at a later time. Core composite bonds, again, are a defensive investment, but this gives you access and exposure to both government and corporate funds, not only here in Australia, but globally as well. So it's giving you diversification. It's a defensive investment, and bonds are really good for income producing. They're a bit like term deposits where you put your money into, you know, the bondholder. You give your money to the bondholder. It could be a company or the government. They use that money to either invest in their company or to lend out to other, yes, borrowers if it's like a bank or something. And then they guarantee you, a certain rate of return, a bit like with your term deposit. You might get an a a cash rate of, like, 3% on your funds, and at the end of the term, you get your your interest as well as the income, as Yep. well as your capital back. The same thing works for bonds. You're essentially giving your money to the government or to the company. They're gonna use it for something internally.","start_word":3728,"end_word":3995,"sentiment":"neutral","sentiment_score":0.12958836555480957},{"text":"They're gonna tell you that you're gonna get this guaranteed rate of return, and then they essentially give you your money back at the end of the term with the interest that you've earned there. Core composite bonds can also pay coupon payments throughout the term of it. So you might get money back on a monthly, fortnightly, or even your half yearly basis, And that's really good for your portfolio because money earned out of the investments is put back into your cash account and reinvested back into your portfolio.","start_word":3996,"end_word":4086,"sentiment":"positive","sentiment_score":0.5319748520851135},{"text":"Okay? We've also got the S and P 500. So we are buying a little bit more of that, bringing your portfolio back to 25% there, having some port some bank property to bringing Cool.","start_word":4087,"end_word":4121,"sentiment":"neutral","sentiment_score":0.29467105865478516},{"text":"your portfolio back to 5% there.","start_word":4122,"end_word":4127,"sentiment":"positive","sentiment_score":0.3907966017723083},{"text":"We've got the beta shares Raffy 200.","start_word":4128,"end_word":4134,"sentiment":"neutral","sentiment_score":0.323806494474411},{"text":"We're still keeping that, buying some more, and bringing you back to 15% there.","start_word":4135,"end_word":4148,"sentiment":"positive","sentiment_score":0.4349760115146637},{"text":"And because we're removing the Benelong Australian equities, we're gonna buy into the beta shares a 200. This is giving you access to the top 200 companies in Australia. Essentially, with the a two hundred, it's it's still giving you the exposure into the Australian equities, which is what Bennelong exposure was giving you into. However, Bennelong tends to hold anywhere between, you know, 15 to 30 different companies, whereas the a two hundred is the top 200 companies on the ASX.","start_word":4149,"end_word":4230,"sentiment":"neutral","sentiment_score":0.1583116054534912},{"text":"So you've actually got a little bit more diversification by holding that one. The a two hundred actually pays really good high dividends as well. So receiving dividends out of these investments, again, is good for compounding those dividends. The income payments that get paid to your cash account and reinvest it back into your portfolio so that we can compound forward over time. So that's essentially the portfolio, the buyers and sales, and how that will look at the end of it.","start_word":4231,"end_word":4313,"sentiment":"positive","sentiment_score":0.5396479964256287},{"text":"On the very last column, the target balance there will show you.","start_word":4314,"end_word":4325,"sentiment":"neutral","sentiment_score":0.2788372039794922},{"text":"So you'll end up with the the 10,000 in the high growth portfolio within Aware there.","start_word":4326,"end_word":4341,"sentiment":"positive","sentiment_score":0.46636438369750977},{"text":"You'll end up with some battery and lithium tech, some physical gold, some we've got some cybersecurity, the core composite bonds, the S and P 500 in The US, and then also some VanEck property, the beta shares Raffy 200, and also the beta shares a 200 at the bottom there.","start_word":4342,"end_word":4392,"sentiment":"neutral","sentiment_score":0.31056347489356995},{"text":"So that's what your portfolio will look like once it's all kinda being rebalanced for you.","start_word":4393,"end_word":4408,"sentiment":"positive","sentiment_score":0.4544540047645569},{"text":"Okay? Yep. If you scroll down for me to page number 27, I'll show you the fee table because a part of making this decision isn't just about what we're buying and selling and making your portfolio look good.","start_word":4409,"end_word":4447,"sentiment":"neutral","sentiment_score":0.29526054859161377},{"text":"There's also making sure that it's working for you, and the cost of doing so is really important as well.","start_word":4448,"end_word":4467,"sentiment":"positive","sentiment_score":0.42976486682891846},{"text":"So you'll see here you've got the fee comparison table, and the first column is your current. You've got your hub twenty four with the current balance there. You've got the administration fees, investment fees, no other applicable fees to the fund there. The ongoing service fee for our services, there's no contributions in the hub twenty four and no insurance premiums being deducted there. You've also got a where and your current balance there with your administration fees, investment fees noted. There's contributions going in. No adviser fees coming out of the Aware Fund, and the insurance premiums, they're noted as well. Between the two funds at the moment, you are in a growth portfolio, and that growth portfolio over the past three years averaged about 7.5%. We've had to use a three year rolling average for this one because, unfortunately, the bank hybrids haven't been around as an investment for five years, so we don't have a five year rolling average for that one. The performance hasn't been bad. Admittedly, this is just an average of how these investments have performed over the past three years.","start_word":4468,"end_word":4655,"sentiment":"neutral","sentiment_score":0.0952894166111946},{"text":"Averagely, we know that some years, you've received a lovely 10 or 15% return.","start_word":4656,"end_word":4669,"sentiment":"positive","sentiment_score":0.349971741437912},{"text":"Other years, it might be only 5% return, and this year has been a little bit less just because of what happened with Bannalong there.","start_word":4670,"end_word":4694,"sentiment":"neutral","sentiment_score":-0.020417332649230957},{"text":"But it's not a bad return and not a bad portfolio to be in.","start_word":4695,"end_word":4708,"sentiment":"positive","sentiment_score":0.40208348631858826},{"text":"By making the changes that we just went through before, within a way, you'll end up with 10,000 and have 24. We estimate a total starting balance of 318,505. The difference there is 337. Now CDT consequences for going through and changing your portfolio. So because Benelong is down, it seems some losses. We're able to offset a lot of the CDT consequences with the losses there. But by rebalancing your portfolio, it's estimated the CGT cost on your super fund, the tax cost will be $337. So this will all be dealt with by your super fund. Your super fund every year does a tax return just like you do in your own personal life, and they will account for that additional cost as part of the tax return that they do for you. Does that make sense so far? Yep. Yep.","start_word":4709,"end_word":4851,"sentiment":"neutral","sentiment_score":0.14182862639427185},{"text":"Perfect.","start_word":4852,"end_word":4852,"sentiment":"positive","sentiment_score":0.6244955062866211},{"text":"By making the changes above there, you'll actually see the administration fees are different.","start_word":4853,"end_word":4866,"sentiment":"neutral","sentiment_score":0.31767532229423523},{"text":"So the administration fees actually decrease a little bit by a 155. So we can save you, for the first year, a $155 on administration fees. And then by making the switch, you actually save $589 on investment fees.","start_word":4867,"end_word":4905,"sentiment":"positive","sentiment_score":0.5078749656677246},{"text":"So by removing Benelung, removing the bank hybrids, replacing those two investments, and rebalancing your portfolio, your investment fees actually decrease for the year.","start_word":4906,"end_word":4929,"sentiment":"neutral","sentiment_score":0.2796790599822998},{"text":"So we save you about $589, which is really good because that's money that stays in your portfolio, which is working harder and compounding towards your retirement goals.","start_word":4930,"end_word":4957,"sentiment":"positive","sentiment_score":0.7137424349784851},{"text":"Yep. Okay? Yep.","start_word":4958,"end_word":4960,"sentiment":"neutral","sentiment_score":0.17442366480827332},{"text":"Perfect.","start_word":4961,"end_word":4961,"sentiment":"positive","sentiment_score":0.4844968318939209},{"text":"Your ongoing service fees do remain there. They are gonna increase a bit because the balance in Hub twenty four is increasing as well. As kind of we go through our ongoing service fees, they are 1.65% per annum. It is deducted in smaller monthly increments out of your super. This is showing you the estimated fee for the first year oh, for this year. Sorry. With the ongoing service fee, as it is a percentage based fee, it fluctuates with the market. So when our performance or when your performance in your super is doing really well, it means that our fee is gonna be a bit higher as well. However, when the market takes a bit of a dip with the volatility we volatility we are seeing at the moment, we can see those downtimes. So it means that, you know, when the portfolio is not performing as well, when we see downtimes, then our fee is gonna take a bit of a dip there with it as well. So our fee is linked to the performance of your portfolio, which is really important. Okay? Yep.","start_word":4962,"end_word":5149,"sentiment":"neutral","sentiment_score":-0.03631622057923294},{"text":"Perfect.","start_word":5150,"end_word":5150,"sentiment":"positive","sentiment_score":0.43976277112960815},{"text":"You've got your contribution still going into aware. We'll keep those going into aware. That is really important to retain your income protection for the time being, and then your insurance premiums there as well for your income protection inside Aware. With the changes that we have above that, the still within that growth portfolio range, giving you that eighty twenty split, Making those changes and reevaluating how the portfolio has performed over the past three years, the rolling average is 15.04%. So it has seen a greater performance than the previous essentially, the previous portfolio that we're in. We know markets go up and down. I don't expect you to get 15% every year over the next sort of ten years. However, if the market did perform really well and you were able to average that 15% on a yearly basis over the next five to ten years, Underneath that, you can see a projection table that estimates where you could end up. Okay. Yep. Perfect. Do you have any questions so far? No. But yeah. No. If you do, you you're fine. There's no such thing as silly question. It doesn't matter what it is. You're welcome to ask it. Yep. Yep. No. I'm I'm good. So so the projected balance is based off that 15%, did you say? Yes. Yeah. Correct. So it it takes it takes the initial initial balance. It it takes into account all the fees, your contributions, your insurance premiums, and then it projects with the the five the three year rolling Yes. average that we have here. And if you were to obtain that kind of five three year rolling average, sorry, over the next five to ten years, this is where you could end up. Okay? Yep.","start_word":5151,"end_word":5446,"sentiment":"neutral","sentiment_score":0.1384551227092743},{"text":"Perfect.","start_word":5447,"end_word":5447,"sentiment":"positive","sentiment_score":0.39652734994888306},{"text":"Underneath that, we do also have the annualized returns as of the February 28. So it just shows you how the two different portfolios have performed in comparison to each other. Okay? Yep. So that is essentially the super. We are also recommending that you do retain the Aware super as well as the Hub 24. We'll do regular annual rollovers of everything by $1,010,000 dollars. I do wanna see if Aware will allow us to add an opt in form as well just in case anything happens and say you're not working for a period of time without contributions going into Aware.","start_word":5448,"end_word":5550,"sentiment":"neutral","sentiment_score":0.21589119732379913},{"text":"If contributions don't go in for sixteen months, your income protection can cancel.","start_word":5551,"end_word":5563,"sentiment":"negative","sentiment_score":-0.37051621079444885},{"text":"Whilst there's no risk of that at the moment because you are actually working, I still like to try and sign an opt in form. It's just a sort of a backup protection for Aware for the industry funds to make sure that your insurance is remaining placed. So I'll I'll organize the one to be signed. We'll send it off to them and see if they'll accept it on your behalf for you. Okay? Okay.","start_word":5564,"end_word":5639,"sentiment":"neutral","sentiment_score":0.1632237434387207},{"text":"Perfect. When it comes to the best interest duty statements, and you'll see these through in there, essentially, both these recommendations are in your best interest. So the first recommendation to alter the portfolio within Hub 24, it's recommended and designed to reduce the overall investment management fees while maintaining your aligned growth risk profile over the longer term, working towards your goals and objectives. Essentially, lower fees provide a greater sorry. Will allow a greater portion of your superannuation to remain invested in compounding over the longer term, and replacing underperforming investments and the bank hybrids as they are being phased out will allow changes to your portfolio, and the newer portfolio has had a greater rate of return. So that can put you in a better position to achieve greater growth over the longer term depending on what the markets do. Okay? Perfect. Retaining aware is in your best interest because you do have your income protection there. Having contributions going in and retaining that income protection is really important for the time being.","start_word":5640,"end_word":5815,"sentiment":"positive","sentiment_score":0.43000003695487976},{"text":"So if anything was to happen, even though you do have some savings set aside there, because we are looking to invest that money, having the income protection provides an extra layer of cover. And while the benefit is probably not, it's a little bit lower than where you would realistically need based on income, it is still providing you with a level of benefit that we can always use to substitute with investment income if we needed to down the track. But having that income protection there is still giving you a level of cover that you wouldn't otherwise have. Okay. Yep.","start_word":5816,"end_word":5918,"sentiment":"neutral","sentiment_score":0.2590666115283966},{"text":"Perfect.","start_word":5919,"end_word":5919,"sentiment":"positive","sentiment_score":0.48941516876220703},{"text":"Does that all make sense so far? Yeah. Pretty much. I'm I'm I'm Yep. I'm with you. I'm I'm on to it. Yeah. Yeah. Yep.","start_word":5920,"end_word":5944,"sentiment":"neutral","sentiment_score":0.1678929179906845},{"text":"That's okay. All good.","start_word":5945,"end_word":5948,"sentiment":"positive","sentiment_score":0.44752436876297},{"text":"I'll try to go nice and slow through it all, try to make sure I'm explaining what I need to. You'll get the chance to go back and have a read through it as well. So sometimes it can be hard, and I'm sort of going through the pages and looking at the things I need to to explain it to you, but sometimes it's easier when you go back and you sit down with it and have a bit of a read without me in your ear. It can always sort of make a little bit more sense, and then you can always come back and ask me extra questions later on as well. No. No. Okay? Spot on. That is how my brain works, actually. It's like with a lot of things that I learned to do. Yeah. Yep. I'll Yep. let I'll learn it. See you later. Let me let me learn it, and I'll come Absolutely. back. Absolutely. Thanks. Yep. Yeah. Hold on. No. Hold on. Perfect. If you scroll down there for me to the next recommendation, this is on page number 22. This is about your employer paid policy. The insurance is there. Yeah. Trying to hear you, was it? 22. Yeah. Yep. Yep. Got So it. this is the VMIA insurance policy. It is an employer paid policy, and it is only offered to essentially workers in your area of work, which is kind of cool. I am recommending, obviously, that you don't, you know, keep it.","start_word":5949,"end_word":6202,"sentiment":"neutral","sentiment_score":0.12561636673301224},{"text":"There's no way for you to cancel it, but it is a really good policy to make sure that you do have access to and are able to retain. It is paid entirely by your employer, so at no cost to you. The best insurances are the ones that you don't have to pay for. And it does provide, depending on the circumstances you're in and the accident available, a lump sum benefit of up to 250,000 there.","start_word":6203,"end_word":6280,"sentiment":"positive","sentiment_score":0.5369125008583069},{"text":"It also does provide a weekly benefit of $2,000. It essentially covers you sorry, for a hundred and four weeks. And this policy is in place until the age of 75. So you'll be well and truly retired by the time this policy stops, but it does essentially expire at age 75 for yourself. The benefits to holding this policy are that it provides twenty four seven worldwide coverage, not limited to what sorry. You're right. Are you okay? Can you hear me, Nate? Yeah. Yeah. You're right. Yeah. Yeah. All good. My phone my phone just sort of did something a bit weird. So I wasn't sure if I still had you or not. Sorry. No. No. No. My phone did, like, a weird clicking sound, and I wasn't sure if I lost you or not. The policy offers twenty four seven worldwide coverage, not limited to workplace accidents. It covers both death and capital benefits. It provides a weekly injury payout, a 100% of salary up to 2,500 per week. The policy we had noted offers a $2,000 benefit. So I'm not sure whether it increases depending on the income at the time of claim, but we've noted essentially what the certificate of currency has on it that we were able to get. It does have also includes secondary psychiatric impairment coverage of up to 750,000. This is if caused by a physical injury. It can provide additional benefits to top up work cover or tax claims. It acts as a primary cover if you're not on work cover or a tax claim. It does not prevent you from claiming under any other policies. So if you're on this policy, you can also claim from your income protection policies. You can have them working in unison as long as the two policies together, you're not claiming over 70% of your income. Okay? Yep. It does have a formal resolution, dispute process if needed, and, essentially, it also it's managed by Decker's injury management team. The disadvantages of retaining this policy are that preexisting medical conditions are not covered. It the cover applies automatically to only those 18 to 75 years of age. Essentially, the policy provides benefits specific to accidents and injury, not general life insurance or standard income protection. So it's not really a life insurance or an income protection policy. It's more just an accident benefit in the event of something occurring to you. It's only it's only applied to employees authorized for bushfire management with current medical fitness and role accreditation. So there there any sort of employers that can be covered under this policy. There is a $25 excess for things that aren't Medicare included. So if you have to go and get additional tests or anything that's not covered by Medicare, there is a $25 excess that is payable for those sorts of things. But I think they kind of let you know at the time of claim or if there's something that has to be done, how that works for you. Okay?","start_word":6281,"end_word":6790,"sentiment":"neutral","sentiment_score":0.04466367922723293},{"text":"Perfect. So it's actually not a bad policy to keep. It's not a bad policy at all.","start_word":6791,"end_word":6807,"sentiment":"positive","sentiment_score":0.37255555391311646},{"text":"And, look, honestly, the best kind of insurances are insurances you don't have to pay for. So Is this phone twenty four seven in work and out of work regardless or just at in work? it it just says it provides twenty four seven worldwide coverage. So if you have an accident, you can contact them 247, and someone will be able to help you with the claim. Yeah. Yep. Because I got told that it doesn't matter whether I hurt myself at work or out of work that I'm from trouble. Yeah. Nice. It didn't tell me any of that on the thing, but, look, I honestly, if you injure yourself, I would give it a go. What's the worst I can say? No. So Yeah. Yeah. Yeah. Exactly. But it's what what we've heard, what what, you know, yeah.","start_word":6808,"end_word":6948,"sentiment":"neutral","sentiment_score":0.00427580252289772},{"text":"over the last six months or so, is that doesn't Perfect.","start_word":6949,"end_word":6959,"sentiment":"negative","sentiment_score":-0.4428985118865967},{"text":"matter. Yeah. You can crash your bike going for a ride in your own time or something Perfect. because that happens or something. Yeah. Mhmm. Right. Well, I mean, that's probably gonna tell you if it's possible. Did they claim successfully on the policy? I've gotta talk to them about that. I'm not sure whether they just what they what they did. So I've still got a cat but they're off work. They've been off work for a while. Yeah. So Yeah. yeah. Okay. Check yeah. Pretty serious. Yeah. No. We'd Perfect. be Well sorry. yeah. You alright? We'd be aware through for income protection and that. When would we look at getting rid of that? Would we look at getting rid of that at some stage? Because it changes the page, doesn't it? It does. Yes. So, realistically, if you're hoping to retire around about the age of 50, then we probably won't need to have it any longer than that. So we'll just keep reviewing it as long as we need to. If there's any ever a point that you don't think you want it anymore and you're comfortable canceling it, absolutely, we can do that. Alternatively, if you stop working at 50 if the investment works the way we want it to and you're able to start working at, say, 50 or 51 and you're no longer working, the policy will be null and void. It won't be any point in keeping it because you won't be able to claim on it by being no no longer employed. So at least at that point, we'll be able to cancel and roll everything over from Aware then for you as well. Okay? Yep. Yep. And, Perfect. of course, that could that's flexible by another three or four years through you. Yep. Yep. If Yep. I'm That's okay. expecting them if I was happy to hang on, you know. Yeah. Yep. Yeah. Yep.","start_word":6960,"end_word":7283,"sentiment":"neutral","sentiment_score":-0.021796928718686104},{"text":"Like Perfect. Easy.","start_word":7284,"end_word":7286,"sentiment":"positive","sentiment_score":0.4323611259460449},{"text":"If you can scroll down further for me, the next recommendation is around that investment option, and that's on page number 29. Twenty nine twenty nine.","start_word":7287,"end_word":7312,"sentiment":"neutral","sentiment_score":0.050711557269096375},{"text":"Yep. Perfect. To make it easier, if you actually scroll down to 37, this has got that same fee comparison table.","start_word":7313,"end_word":7333,"sentiment":"positive","sentiment_score":0.3836599290370941},{"text":"I can talk you through the recommendation while you're sort of looking at this to make it easier for you, because sometimes having a visual is a little bit easier than all those pages of writing. Yep. That was page 37. 37. Yeah. You'll have a fee comparison table there. Yeah. Sorta looks like the one you're super had. So I think go down to 38. My apologies. My document has a different page number on it, so you're so sorry. You're absolutely fine. So with this one here, we talked about leaving about 70,000 behind, and you wanted to look at investing about a 160,000 into an investment account so that you could try to hopefully retire a little bit earlier there. So we have made a recommendation and looked at with Hub twenty four. So it'll be the with the same provider that your super fund is with. So you can look at your Hub twenty four and see your super and your investment account there in the account there in the one platform to make it easier. We'll start by investing initially a 160,000. Within Hub twenty four, you do have investment fees and administration fees on the investment account as well. We do add an adviser fee to this one for the monitoring of the the account. The investment ongoing service fee is 1.1. So it is lower than super, and that's for us looking after it. So we estimate for the first year to be 1,879. And then regular contributions is of $5,400. One thing we took did talk about was you were comfortable investing around about $400 on a a monthly basis into the investment on a regular basis to keep it growing, but you were also comfortable with me working at how much you needed to invest in order to meet that goal. We need to increase your contributions to $450 on a monthly basis and have it invested to be able to see it grow to the level it needs to for you to be able to take on those retirement goals and retire before the age of 60. Okay? I can do that? Yeah.","start_word":7334,"end_word":7696,"sentiment":"neutral","sentiment_score":0.14862728118896484},{"text":"Beautiful.","start_word":7697,"end_word":7697,"sentiment":"positive","sentiment_score":0.6462122797966003},{"text":"Oh, well, anyway. Yeah.","start_word":7698,"end_word":7701,"sentiment":"neutral","sentiment_score":0.16646461188793182},{"text":"It's okay.","start_word":7702,"end_word":7703,"sentiment":"positive","sentiment_score":0.39315709471702576},{"text":"So it's starting with a 160,000, and then dollar cost averaging in on a monthly basis, $450 a month into the investment and keeping that growing. We are looking at a growth portfolio. So if you scroll back there for me, three, to page number 36, you'll see essentially how we'll have these funds invested for you. Very similar to how your your super is invested. There is a few differences there. So within this investment portfolio, you'll see you still got some beta share cyber security, some India quality ETF, some global health care, some S and P 500, so some US equities. We've got the Rafi 200. We've also got the beta shares a 200 in there. JPMorgan Global Enhanced Research Equity Fund. This is essentially giving you access to global diversified investments. Diversification is really good, not just having investments in Australia and The US, but diversifying across the globe. So some physical gold, so, again, 8% in physical gold in this portfolio. The iShares yield plus, which is essentially more of a defective kind of investment, giving you access to high quality cash investments that pay good dividends, and then some core composite bonds in there as well. So that's essentially where the funds will be split for the 160,000. And back there on page number 38, this is a growth portfolio. So the same sort of portfolio that your super is invested in currently. And looking at the last three year rolling average, this has averaged about 15.75% on a yearly basis. Okay?","start_word":7704,"end_word":7961,"sentiment":"neutral","sentiment_score":0.14792698621749878},{"text":"Yes. Perfect. Now the good thing about this investment is that it is an an investment account unlike Super, so you can increase and add additional amounts to it. So if you have some extra money on a monthly or a weekly basis and you wanna add a little bit more in there or increase that from the $4.50, you absolutely can.","start_word":7962,"end_word":8023,"sentiment":"positive","sentiment_score":0.5094538331031799},{"text":"There's no contributions cap.","start_word":8024,"end_word":8027,"sentiment":"neutral","sentiment_score":0.2615181505680084},{"text":"There's no limits on how much you can put into the investment. It's essentially there to try and build so that you can retire a bit earlier and draw some income out of the portfolio.","start_word":8028,"end_word":8062,"sentiment":"positive","sentiment_score":0.4169704020023346},{"text":"Okay. Essentially, holding this investment and having it work, as long as it provides and if it was able to get this standard rate of return over the next five to six to ten years, you can see below where, essentially, you could end up. Yep. Does that include my contributions or not? The 450 the 450 on a week monthly basis. Sorry? Was it monthly? Yes. Yes. For the project Yep. in the projected balance. Does that account Yep. for It absolutely does. Yeah. It that takes the original deposit plus the regular too? Yep. contribution and the growth rate and then subtracts all the fees out of it. Yep. Yep.","start_word":8063,"end_word":8174,"sentiment":"neutral","sentiment_score":0.14182975449200189},{"text":"Perfect. So it is good.","start_word":8175,"end_word":8179,"sentiment":"positive","sentiment_score":0.737499475479126},{"text":"We do understand that markets go up and down. There is a bit of volatility there. So this projected balance could alter somewhat. What I wanna do with you is obviously catch up and do our regular reviews and see how things are tracking to make sure that you're on track to do this. There is obviously a risk the markets may not perform the way, say, they have in the past or the way we want them to, and therefore, it might take an extra couple of years before we meet this goal. But we'll keep looking at it, keep tracking at it, see what we need to do, and also the advice as we are moving forward. Essentially, having a look at things, we did look at the age of 50. And if you sort of scroll down to the next page for me, you'll see we've got two drawdown tables. We did look at the projected balance at the age of 50, and if you were to stop working what this looks like based on the projected balance and drawing down regular income of $800 on a weekly basis, Your and we're using a conservative rate of return for the for the projection once you've actually retired. Because when you stop working, you generally don't wanna take as much risk in the market, so we tend to use a lower, more conservative projected figure for growth in that time frame. So you'll see sorry. The five year rolling average that is much lower than what it is above in the table above there. Okay? Alright. Cat. Yep. So if you are if you stop working at the age of 50, if we have this balance here at that time, you'll have admin fees, investment fees, ongoing service fee in the account there, and your regular drawdown on a yearly basis, which works out at $800 on a weekly basis or $41,800 on a yearly basis. If you're drawing that down, essentially, between the age of 50 to 55, we can see there how much the balance has has dropped away by. So it goes from 308 to 156.","start_word":8180,"end_word":8540,"sentiment":"neutral","sentiment_score":-0.0629372746784271},{"text":"And, essentially, by ten years, the balance is completely gone.","start_word":8541,"end_word":8550,"sentiment":"negative","sentiment_score":-0.5207022428512573},{"text":"The idea is that this investment money, is there to sort of supplement your income and draw down income so you can survive that ten years between 50 to 55.","start_word":8551,"end_word":8580,"sentiment":"neutral","sentiment_score":-0.14909224212169647},{"text":"This projection doesn't quite get you there. It doesn't quite meet that goal.","start_word":8581,"end_word":8593,"sentiment":"negative","sentiment_score":-0.677315890789032},{"text":"So in year nine sorry. Sorry. You're right? 50 to 60 or 50 to 55? This is 50 to 55. Yeah. Oh, sorry. Yeah. No. Sorry. 50 to 55 for the five years. The ten year takes you to 60. So it essentially shows the money runs out a little bit before you turn 60 there. Okay? Because the negative figure yeah. Yes. I'm reaching Yeah. it now. I So was just it really only lasts about nine odd years. You'll have a little bit of residual there, but it's only really lasting about nine years, which is not really what you want. So the next the next page shows you the different outcome. If you're able to hold off to age 51, so long as the markets work the way they want them we want them to, and we end up with this projected outcome or close to with the admin fees, investment fees, ongoing service fee there, and drawing down the same $800 on a weekly basis using that conservative projection growth rate whilst you are drawing down, the funds last a little bit longer there for you. So you can see 50 to 51 to 56, you end up roughly about 209,000 after drawing down and eating away some of it. And then at nine years, this takes you to the age of 60, and there's still a little bit of residual balance there for you as well. So it does look like projected forward. We would need you to wait to age 51 before you access those funds and actually stop working. However, this is utilizing past performance, and we know markets are volatile. So we will check this every year. We'll talk about what's happening. We'll look at what your goals are and keep trying to sort of project things at to see where we're tracking, where we're heading.","start_word":8594,"end_word":8907,"sentiment":"neutral","sentiment_score":-0.054114327831253126},{"text":"And when you get closer to that fifty fifty one, we can actually sort of have a look at what we're what we're sitting on and how that's gonna look for you and how it's gonna work.","start_word":8908,"end_word":8944,"sentiment":"positive","sentiment_score":0.3475990891456604},{"text":"Does that make sense? Yes.","start_word":8945,"end_word":8949,"sentiment":"neutral","sentiment_score":0.22168079018592832},{"text":"Yep. Perfect. Do you have any questions about that?","start_word":8950,"end_word":8958,"sentiment":"positive","sentiment_score":0.4317249655723572},{"text":"I know it's a lot. I'm sorry. I tried to sort of slow it down a bit for you. But is there I any got questions you wanted to ask? Does that all make sense so far? What are your thoughts you. and feelings? Yeah. Just like, there's a whole lot of an unknown, but they're There a way is. Yes. it Absolutely.","start_word":8959,"end_word":9021,"sentiment":"neutral","sentiment_score":0.010598961263895037},{"text":"Absolutely. is.","start_word":9022,"end_word":9023,"sentiment":"positive","sentiment_score":0.37093856930732727},{"text":"Yep. Don't bother planning any planning too far ahead. No. There are there are a lot of uncertainties with the market, but that's the most important part is that we review things on a regular basis. So, you know, having the money invested and building towards your retirement or building towards the option of being able to stop work earlier is still better than not. And if we get to, you know, closer to and we find, hey, it might not work the way we've been hoping.","start_word":9024,"end_word":9110,"sentiment":"neutral","sentiment_score":-0.052983541041612625},{"text":"We might have to hold off for another year or two.","start_word":9111,"end_word":9121,"sentiment":"negative","sentiment_score":-0.44114527106285095},{"text":"You've still got that extra couple of years up your sleeve because you did sort of note that you were comfortable working to 55 if you had to or even just dropping back a few days a week and we look at partial. So there are other things that we can do.","start_word":9122,"end_word":9173,"sentiment":"neutral","sentiment_score":0.10895108431577682},{"text":"I personally, you know, don't see an issue with where we're tracking.","start_word":9174,"end_word":9185,"sentiment":"negative","sentiment_score":-0.4054663479328155},{"text":"When you sort of look at that, if you look at the contribution over the next sort of because they're looking at the next sort of five years five to six years, if we're putting $450 into the investment on a monthly basis, That's $5,400 there. For a year over six years, there's an extra 32,400 plus a 160,000. That gives you a 192.","start_word":9186,"end_word":9249,"sentiment":"neutral","sentiment_score":0.07862100750207901},{"text":"Getting a 5% return on a 192,000 gives you about 9,600. So compounding that over time means you are likely to build growth even at a conservative rate of return, and we just wanna make sure we're checking to see how things are going. Putting the regular amount in on a monthly basis for dollar cost averaging in is really good for risk mitigation as well because you're buying into the investments regardless of the price, whether they're up or down.","start_word":9250,"end_word":9330,"sentiment":"positive","sentiment_score":0.4179343283176422},{"text":"So when the market is down, you're getting into the market at a a down point where there's a discount in the investment prices, and that can provide a greater level of growth in return as the market comes back and provides recovery. When you put that same amount of money in and the market's up, the prices are higher, you buy less units of the investment.","start_word":9331,"end_word":9397,"sentiment":"neutral","sentiment_score":0.26344260573387146},{"text":"So it's really good to be dollar cost averaging. It spreads your risk level. It helps to improve growth over time, but you're putting money into the market regardless of, you know, what the cost is and helping to average out your returns over the time as well. So there's definitely a benefit to being in the market rather than not, and giving this a go is getting you closer to your goal than sitting in the cash account there.","start_word":9398,"end_word":9477,"sentiment":"positive","sentiment_score":0.5453891754150391},{"text":"So yeah. Okay. Yep.","start_word":9478,"end_word":9481,"sentiment":"neutral","sentiment_score":0.23989184200763705},{"text":"I love that.","start_word":9482,"end_word":9484,"sentiment":"positive","sentiment_score":0.5365599989891052},{"text":"Does that That does. Quick make question. With that, you say, if you hit let's just say I've hit 50 well, 51. For sense? Yep. forty one eight hundred drawdown each year. How would I be taking that out each year? As a lump sum, or would I just be taking it out on a fortnightly or monthly basis or whatever? We can do that however you like. We can do it as a weekly, fortnightly, monthly amount, however you're comfortable with.","start_word":9485,"end_word":9566,"sentiment":"neutral","sentiment_score":0.0796258180606656},{"text":"Generally, taking smaller amounts of money out is easier because you keep more money invested. You can do it as a lump sum once off every year or half year, but it does work out better just to draw a weekly or fortnightly income out in smaller amounts. That way, you keep most of your money invested, and that way, you can obtain greater growth when the markets are performing better.","start_word":9567,"end_word":9637,"sentiment":"positive","sentiment_score":0.4801305532455444},{"text":"That's the yeah.","start_word":9638,"end_word":9640,"sentiment":"neutral","sentiment_score":0.3065203130245209},{"text":"That's gonna be my next steps.","start_word":9641,"end_word":9646,"sentiment":"positive","sentiment_score":0.3340466618537903},{"text":"Yeah. Yeah. That's I was after.","start_word":9647,"end_word":9652,"sentiment":"neutral","sentiment_score":0.17489585280418396},{"text":"Perfect.","start_word":9653,"end_word":9653,"sentiment":"positive","sentiment_score":0.5718246698379517},{"text":"Yeah. That's one that's that's what I was thinking. So yeah. It'll yeah. Because your lump sum, that's quite a large amount out, and therefore, the investment, you've got less still growing in in that time. So Absolutely. to tax, I'm just I'm taxed on that than anything else that I that I earn. The Mhmm. same. Yeah? Yep. It is. It is. Yeah. So the one thing to remember with the benefit of putting it into the investment account is the money is working harder. Over the longer term, you know, depending on the regardless of what the markets do, whenever you look at investment time frames over ten, twenty, or thirty years, the markets are always up. Over the longer term, you tend to be up and providing better growth and compounding effect, which is works better than having it sitting in a cash account because inflation tends to either way the buying capacity, and often bank accounts don't give you enough interest to meet inflation. So there are risks also with the cash account there. But the other thing to sort of remember is when you are investing money, you are investing in your own name. So as we are putting money into this investment over time, every year you'll get a tax statement. It'll outline the income and the CDT within the fund, and that will need to be added to your personal tax return. So it can increase the amount of tax you are paying as we are building that one. But when you stop working and start your income out, again, the income you receive is taxable. We will not you'll need to account for that when you see your tax agent, but you'll be drawing less out. So, you know, the tax free threshold is 18,200. Drawing $800 on a weekly basis is 41,800 there, so you are lowering your taxable income. So you should pay Yeah. Yeah. less I tax, think I I but think it is still tax. that's Yeah. Yeah. Faster. Yeah. Yep. So, yeah, that's Yeah. what I was that's what I was hoping. Anything else? Any other work I'd do? But if I've got yeah. Yeah. If I've got other like you say, I still had some gold, but then I needed some cash. I can sell Mhmm. that. I think I'm I'm not sure. I'd have to look into it when you've got to start, you're meant to say to tell them and pay tax on it. Yep. The tax free threshold? No. No. We're like if I if I was to sell stuff to to top it up each year, like, sell some of the gold that I had, Yes. Yeah. Yeah. She meant I think she meant to declare it after certain amount, so then it gets passed too. Right. Yeah. Yeah. The the But the gold. Yeah. Yeah. yeah. Anyway, Makes no. That was right. yeah. Thank you. That's okay. That's not a problem at all. So that's essentially with the investment side of things.","start_word":9654,"end_word":10164,"sentiment":"neutral","sentiment_score":0.024028432823411407},{"text":"You're welcome to take it away, have a really good read of it.","start_word":10165,"end_word":10177,"sentiment":"positive","sentiment_score":0.38432976603508},{"text":"Take it in and ask me any questions that you might definitely have. I know our last advice case we provided was on investment. You weren't really in the right space to maybe look at that, so this is a little bit different. But we are also working towards a goal with this one. So, again, any advice we do provide is up to you to decide whether you're comfortable taking or not.","start_word":10178,"end_word":10250,"sentiment":"neutral","sentiment_score":0.1499549001455307},{"text":"I've just done the math to work out the best way to be able to to try and achieve that, and then we work forward with you to keep looking at it, seeing how it's growing, and keep working towards that goal.","start_word":10251,"end_word":10292,"sentiment":"positive","sentiment_score":0.455022007226944},{"text":"Okay? Yep.","start_word":10293,"end_word":10294,"sentiment":"neutral","sentiment_score":0.1844087615609169},{"text":"Perfect.","start_word":10295,"end_word":10295,"sentiment":"positive","sentiment_score":0.5851559638977051},{"text":"Now the next recommendation, if you keep scrolling down there for me, is the land. One of the things one of the questions you had was about whether you sell that land or not. I'm saying no. So one of the main reasons is that it could be harder to sell. Property and land is not liquid, so it can take time to sell. And, realistically, when I kind of worked out, I've done an estimated of the CGT based on the information we have. It could be different. The expected total CGT could be definitely different, and this is not what you would have to pay. This is just the CGT from the sale of the land. It doesn't sort of work out in your benefit to sell it now. As much as it's more money you could have then put into the investment growing, If you're selling this property, you've got the CGT consequences.","start_word":10296,"end_word":10451,"sentiment":"neutral","sentiment_score":-0.1446845978498459},{"text":"You might miss out on future growth that it can increase the amount of tax you are paying.","start_word":10452,"end_word":10469,"sentiment":"negative","sentiment_score":-0.4679467678070069},{"text":"It could take, you know, weeks, years, months to sell depending on the market, and you might have to reduce the amount.","start_word":10470,"end_word":10491,"sentiment":"neutral","sentiment_score":-0.2845612168312073},{"text":"You might not get what you're after. So I've decided it's not worth selling that now.","start_word":10492,"end_word":10507,"sentiment":"negative","sentiment_score":-0.41826575994491577},{"text":"It is better to hold it. If you hold it till after retirement, then, you Yep. know, you'll be on more of a lower tax rate, so selling it could have less of a tax consequence for you. So I have recommended to keep hold of that for the time being. Okay? Yep. That's my that's Lisa. Yep.","start_word":10508,"end_word":10565,"sentiment":"neutral","sentiment_score":0.04168093204498291},{"text":"Perfect. Perfect.","start_word":10566,"end_word":10567,"sentiment":"positive","sentiment_score":0.4879969358444214},{"text":"You do have your advantages, disadvantages, and risks involved. The main one thing there that by keeping a hold of the land, there is it could sustain additional growth moving forward, meaning that you could sell it for more when you get down the track. Another conversation we had was that you were possibly looking to hold it to maybe pass down to your daughter and or sell in retirement. You have those options by holding on to it. It's there's no guarantees that the land will grow in value. The disadvantages are that you still have to pay your rates and, yeah, and Yeah. state taxes on that as moving forward, so that is a disadvantage to keeping it. Capital tied up, if you do have to sell it down the track, it is it can be harder to sell if you need the money quickly. And that's the other thing with, you know, the advantage there is that the land is hard to sell sometimes. It's not always liquid. If you need money fast, it can be difficult to sell.","start_word":10568,"end_word":10749,"sentiment":"neutral","sentiment_score":-0.06402921602948682},{"text":"But at the same time, depending on, you know, where it is and the market within that area, it could see some substantial growth in the future, and, you know, you might be able to sell it some more down the track and get a greater benefit out of that.","start_word":10750,"end_word":10799,"sentiment":"positive","sentiment_score":0.4953345060348511},{"text":"Okay? Yep. So Yep. if if if Jay if I would just say, well, to sell it and I put it yeah. You talk about, you know, 1,000,000. I paid what I paid for it, the difference. If I put all of that into the same investment portfolio, this new one that you're designing, what what would that how big an impact would that make? Mhmm. It would have a bigger impact. You would need to make sure you cover the tax first. So if you were able to sell that for a 100,000, we've got estimated CDT of 37,000. That CDT is then added to your income for the year, which can increase the tax side of things. I did we did do a little bit of math, and, I mean, it depends on the other deductions, and there's so many other factors with regards to that. But at your marginal tax rate, the CGT bill is a or the income tax is roughly a bit over 11,000 that you would have to pay on that.","start_word":10800,"end_word":10976,"sentiment":"neutral","sentiment_score":0.08476607501506805},{"text":"So you would be you know, have about 11,000 less out of it. It would make it definitely an impact, and having invested in the portfolio would be good.","start_word":10977,"end_word":11005,"sentiment":"positive","sentiment_score":0.5310304164886475},{"text":"But I don't see my main concern is the amount of tax that you may have to pay for that. The amount of tax may not be worth you selling it. And holding this a little bit longer, generally, sort of keeping investments in land and things like that. If you don't have to sell them, we generally try not to because you do end up with higher tax bills, and it can cause a bit of trouble, increases your income, and there's other consequences that can come of that.","start_word":11006,"end_word":11095,"sentiment":"negative","sentiment_score":-0.44098174571990967},{"text":"So Yep.","start_word":11096,"end_word":11097,"sentiment":"neutral","sentiment_score":0.25645649433135986},{"text":"if you chose to sell it, absolutely, you could definitely put the money into there.","start_word":11098,"end_word":11112,"sentiment":"positive","sentiment_score":0.5400567054748535},{"text":"It's just my main concern was adding the increase of tax bill to your current income tax and increasing your income estimates. And then if you've got an investment portfolio on top of that, you're paying CGT and income tax from the investment portfolio.","start_word":11113,"end_word":11156,"sentiment":"neutral","sentiment_score":-0.1689836084842682},{"text":"It can increase your tax bill pretty high.","start_word":11157,"end_word":11164,"sentiment":"negative","sentiment_score":-0.3875421285629273},{"text":"So I kind of, Yeah. yeah, kind of didn't wanna put that on you. Plus, if you put it up for sale and it doesn't sell quickly, you know, you might still have to reduce the sale cost or sell it at a loss or something like that. So it's it's sort of better just to hold on for the for the time being. And then later down the track, maybe in retirement, if not beforehand, if you don't need to beforehand, then we could maybe look at selling it and seeing what kind of gain you can get for that and how that can benefit you down the track. Yep.","start_word":11165,"end_word":11275,"sentiment":"neutral","sentiment_score":0.0351099893450737},{"text":"That's cool.","start_word":11276,"end_word":11277,"sentiment":"positive","sentiment_score":0.36002597212791443},{"text":"In all serious seriousness, sir, I actually Yeah. thought I actually thought you're gonna say sell it and add it to the portfolio, but there was a couple of Yeah. things I forgot to I I missed with the taxes and Yeah. all of that. So yeah. Hey. Yep. Yeah.","start_word":11278,"end_word":11327,"sentiment":"neutral","sentiment_score":-0.016536200419068336},{"text":"Perfect.","start_word":11328,"end_word":11328,"sentiment":"positive","sentiment_score":0.405021071434021},{"text":"Realistically, I wouldn't sorta say sell it unless you really have to. If you kinda get to the point where you're you're done with it, you don't really want it anymore, you absolutely can. Just be mindful of the CDT consequences because as much as, you know, you're renting, this is your only sort of property, I couldn't find a way to make it to give it the tax exemption under the main primary residence scenario there. So and if you're gonna get an incur increase to your income soon, the amount of income tax you pay goes higher than having investment income as well. So, you know, income that's generated from the investment portfolio plus CDE to account for, but then the sale of this, it could be it could push your tax bill pretty high, and we would not want that in any way, shape, or form.","start_word":11329,"end_word":11477,"sentiment":"neutral","sentiment_score":-0.16589192016012716},{"text":"That could have more of a negative impact on your cash flow.","start_word":11478,"end_word":11489,"sentiment":"negative","sentiment_score":-0.4599767029285431},{"text":"So Yep. No. That's that's yep. yep.","start_word":11490,"end_word":11496,"sentiment":"neutral","sentiment_score":-0.1976028233766556},{"text":"Perfect. Perfect.","start_word":11497,"end_word":11498,"sentiment":"positive","sentiment_score":0.5238535404205322},{"text":"I've got all the advantages, disadvantages, risks, and also any alternatives in there considered for you as well. And then the last part is with the beneficiary nominations there. So one of the big things was making sure that your daughter was able to benefit from your superannuation in the event that anything was to happen to you. I am recommending that we alter your beneficiary nominations and make them a legal personal representative because she is a minor child. Have a will drawn up with a solicitor and have the will drawn up so that it provides those protections for her. So if in the event of passing, having this paid directly to your will, you can then nominate an executor who can, through your will, as so that they can help you have, like, a testament to trust built. And inside that trust, the money can be held. It can be distributed however you want so that the money is received and distributed to your daughter in a fashion as per your wishes, but so that she benefits from that money down the track.","start_word":11499,"end_word":11684,"sentiment":"neutral","sentiment_score":0.22622622549533844},{"text":"It can help her with schooling.","start_word":11685,"end_word":11690,"sentiment":"positive","sentiment_score":0.45844048261642456},{"text":"You know, you could sit there and just be held back so she can hold a will, held over you know, passed to her at a certain age point. You have a lot more control around doing that. Whereas at the moment, based on if anything happened to you as she is a minor, the money doesn't get paid directly to her. It can go into trust or it can be paid to a trustee or her guardian.","start_word":11691,"end_word":11768,"sentiment":"neutral","sentiment_score":0.07959060370922089},{"text":"So there are greater benefits for having it paid through your will to minor children so that you have a lot more control over how that money is directed through to your daughter.","start_word":11769,"end_word":11801,"sentiment":"positive","sentiment_score":0.35469311475753784},{"text":"Okay? Yes.","start_word":11802,"end_word":11803,"sentiment":"neutral","sentiment_score":0.2492964863777161},{"text":"Perfect.","start_word":11804,"end_word":11804,"sentiment":"positive","sentiment_score":0.4941744804382324},{"text":"With having the investment as well, if you take on the recommendation, we open that investment account and we do invest that money. Having a will is also gonna be important. But, unlike Super, you don't have beneficiary nominations on investment accounts, so we'll need to make sure that that investment money, even if it's sitting in your bank account, is accounted for as part of your will and that the money is held past your estate and directed where you want it to be. So without having a will, everything goes into probate, and people can come forward and make a claim on the estate, meaning that the funds may not end up where you want them to go. It all gets done by a judge. It is done in in accordance with the law, but people can stake a claim on it, and it can be considered.","start_word":11805,"end_word":11953,"sentiment":"neutral","sentiment_score":0.12562202667229927},{"text":"So having a will and power of attorney drawn up is a lot best for your protection as well as the protection of your assets.","start_word":11954,"end_word":11978,"sentiment":"positive","sentiment_score":0.3849460482597351},{"text":"Yeah. Yes. Cool. I need to learn about that, WV. Because yeah. Yep.","start_word":11979,"end_word":11991,"sentiment":"neutral","sentiment_score":0.1367073804140091},{"text":"That's all good.","start_word":11992,"end_word":11994,"sentiment":"positive","sentiment_score":0.4628163278102875},{"text":"Yep. All good. Do you know How can about I help Will's? you? Do What you was know that? much Sorry. do you know much about Will's or or not? Yeah. It's fair chunk. I'm not a lawyer, but there is a fair a fair bit that we need to know for our job. The best thing I can do is refer you to a solicitor to sit down and talk about what you have, your circumstances, and what you want, and have them help you draw up a will that is, you know, set out in accordance with your wishes and, you know, helps you to meet that that goal of making sure she gets the money in accordance with what with what you want and how you want. Yeah. Right. Hey. Quickly, this is going Yeah. off track. I'm sorry, You're but fine. you might quickly Yeah. answer this for me. If if I was if my my my dad told me I was Yeah. his the executive, but he's Will, I'm Uh-huh. a few years with his partner. His partner and him sat sat me down and said I was an executor of Yeah. the will. Yep. And he's since passed, Yeah. and and it's kinda quiet on that side of things. I haven't can it roll over to the partner? And then when when the partner passes, I become the executor, or Okay. would I I must have been removed off Yeah. it. I would probably have a look into that because if you were It. made sole executor, you would have had to have a bit more of a say in how all that was to go. If the if everything had been directed to her, then that's probably why she's received it all. You would need to have a look at the will and how it is set up and drawn. It sounds like you may have been removed as the executor, but it also depends on what the assets are. So, like, depending on how a home is owned and bank accounts is set up, they can automatically so, like, the way everything's set up with me and my husband, if I pass away, everything just reverts to him automatically because of the way we own our home and our joint accounts and everything. He is That's what he it's is part owner of that. Yeah. that's what it's happening in this case. Yep. Yeah. Yeah. So then anything outside of those automatics would automatically go to the estate, and then you would need to help, you know, go through those sorts of things. But the other option could be and it's hard to sort of say without seeing how the bill is drawn up. But the other option is depending on how everything is set up for them in, you know, the house and the bank accounts and things like that, if you were executor, then you would have been called upon to sort of help distribute everything. But it really just depends upon what the will says, how it is set up, and how all their assets are set up as well, how the house is owned, how the bank account is set up. There's a lot to it. Yeah. So it does there always have to be an executor? For a will, yeah, there's gotta be someone that acts as the executor to help because once someone passes away, they have to have a final tax return completed. Any Yep. debts that need to be paid out needs to be covered, and an executive needs to take care of those things. An executive can be, say, a family member, a friend, or you can direct a solicitor to be an executive on your behalf as well. So Yeah. It was meant to be because I've got, obviously, stepfather's pieces. Yep. It's Yep. meant to be myself and of my and my step sisters. And my last conversation, she said, oh, I've gotta go and catch up with my daughter. I'm very clear the will. And I thought, okay. Yeah. Yeah. Because I've I've been sat down a few years before and told that I was an executor. There. So Yeah. so it sounds okay. Yeah. It does sound like that might have been the possibility. Yeah. Did you did you kinda get anything out of that site? Because that's where some of that money came from, didn't it? Oh, no. That was from your divorce, wasn't it? The the 160 or the 200? Yeah.","start_word":11995,"end_word":12758,"sentiment":"neutral","sentiment_score":-0.020162543680528618},{"text":"No.","start_word":12759,"end_word":12759,"sentiment":"negative","sentiment_score":-0.3602227568626404},{"text":"My car running cost at the start of the January this year. That's So right. Yeah. Yeah. I mean, it may be worth having a conversation with them and saying, hey. Can I help? What's going on? Just sort of touch base and be like, you know, this is something I thought was the case. Is this no longer the case? Can I help you? And just sort of see where things are at. Because is your relationship quite well with your dad's partner? Yeah. It's it's it's it's okay. But I'm just I was never expecting anything anyway. Yeah. And and, yeah, it wasn't about that. It was just that yeah. That they told me. Then that's it. I I read up about it, and I was like, well, I should receive something and be Yeah. notified. And then she made that comment, and I was like, okay. Right. But Yeah. yeah.","start_word":12760,"end_word":12912,"sentiment":"neutral","sentiment_score":-0.042854487895965576},{"text":"It it's probably not worth my worry.","start_word":12913,"end_word":12919,"sentiment":"negative","sentiment_score":-0.5859204530715942},{"text":"Yeah. I tried to yeah.","start_word":12920,"end_word":12924,"sentiment":"neutral","sentiment_score":-0.1253148317337036},{"text":"I don't there's there's no point going if that's how the money was directed and stuff was directed up. I'm not going in there to change it because it's it is what it is, and you just gotta get on with it.","start_word":12925,"end_word":12966,"sentiment":"negative","sentiment_score":-0.3986372947692871},{"text":"Yeah. That's exactly right. That's it. Yeah.","start_word":12967,"end_word":12973,"sentiment":"neutral","sentiment_score":0.1497344672679901},{"text":"And and these sorts of time frames can bring the worst out in a lot of people. It's a very emotional difficult time for people and yeah.","start_word":12974,"end_word":13000,"sentiment":"negative","sentiment_score":-0.4313147962093353},{"text":"You know? I've seen a lot of her state planning go bad. Yes. Exactly. But hence why I'm talking to you because, you know, I've been doing it doing it my way Yeah. with Yeah. and for so long. So hence why, you know, I'm a little nervous about this. But Absolutely. but yeah. Yeah. Because I'm Absolutely. not hanging Yeah. on. And, look, the good the good thing with having Yeah. And, look, the good the good thing with having a investment account there is if you open it and go forward with the advice and you decide at any point it's not working, you don't really want it, we can always close it and draw the funds back out.","start_word":13001,"end_word":13121,"sentiment":"neutral","sentiment_score":0.07430078834295273},{"text":"It's absolutely fine.","start_word":13122,"end_word":13124,"sentiment":"positive","sentiment_score":0.41834768652915955},{"text":"Yeah. It all the investments are liquid. Unlike your super, the funds aren't locked in there till retirement. You can pull the money out if you decide it's no longer for you. You don't wanna do it anymore. You can take the money out. Obviously, markets go up and down. You could be taking the money out of the down point, which means you could be taking it less, but I would just sort of talk to you, keep working with you to see how you go. But yeah.","start_word":13125,"end_word":13213,"sentiment":"neutral","sentiment_score":-0.010987389832735062},{"text":"I mean, I invest in my own name outside of Super, and I honestly love it.","start_word":13214,"end_word":13229,"sentiment":"positive","sentiment_score":0.40039724111557007},{"text":"I'm investing for the longer term. I know that I'm you know, it's a bit different for yourself to what I'm doing. I'm really not wanting to access the money in the next couple of years. I'm just sort of putting it in there to see how it goes over the longer term and might access it when I retire a bit. For yourself, it's a little bit different because you have this goal of being able to access through the money sooner. However, if we get to $49.50 and you decide you're taking a bit too risk in the market, it's a bit scary, we can always move you out of the growth portfolio and move you into something a little bit more defensive. You don't have to be in the growth portfolio right up into the day you access those funds. More often than not, we tend to reduce the risk level a bit prior to accessing some of that money.","start_word":13230,"end_word":13392,"sentiment":"neutral","sentiment_score":-0.008131952590646188},{"text":"If you you can always put more into it. If you say, hey. I've got an extra, you know, 5,000 here or an extra $100 here or there, you can be putting extra money into it to provide greater benefit and sorta help you along a bit more. Portfolios do work.","start_word":13393,"end_word":13443,"sentiment":"positive","sentiment_score":0.5265138149261475},{"text":"If you've got a downtime and I go, hey. Look. It's down. Do you wanna throw some more money into it?","start_word":13444,"end_word":13464,"sentiment":"neutral","sentiment_score":0.17868560552597046},{"text":"You could always take advantage of those downtimes as well and chuck some more money into it.","start_word":13465,"end_word":13481,"sentiment":"positive","sentiment_score":0.39669692516326904},{"text":"So unlike your super, there's no caps.","start_word":13482,"end_word":13488,"sentiment":"neutral","sentiment_score":0.14158828556537628},{"text":"You can put as much or as little in as you like, and we just kinda wanna make sure it is working so you you are able to hopefully retire a bit earlier.","start_word":13489,"end_word":13521,"sentiment":"positive","sentiment_score":0.3505021631717682},{"text":"If we get to, say, 49, fifty, fifty one, and the markets are a bit volatile, it's not really working, we may have to reassess, obviously, the goal of how much you draw out or maybe, you know, look at whether we hold off for a little bit longer. But those are all things that we can talk about down the track, and they're all possibilities. There is obviously a lot of unknowns with investing, but, you know, working towards that goal, having the money in the market and investing in a portfolio tends to get you closer to that goal than having it sitting in a bank account earning very little interest. So yeah. But you can always walk away at any point. So just a quick one. Just Yeah. say my income of 80,000 a year changed all of Yep. the sudden to around a $100,000 a year. Is that gonna Yep. be an advantage or a disadvantage? Well, realistically, you're still in the same tax bracket. It does mean you're paying more income tax. It could be an advantage. You could be putting you have a bit more money aside to put into the investment. It could also provide a little bit of a disadvantage where if the investment is performing really nicely and you're getting a lot of income and the CGT within the fund, you might have to pay more tax. So you could end up with a tax bill as opposed to a refund. So there are advantages and disadvantages to both. Yep. But if that that so that investment of of mine is going after, that's what I wanted to do. So yep. Absolutely. Yep. Yeah. Absolutely. Yep. And there are offsets that you can have. So you get a tax statement when you are invested. You there you get a tax statement every year. So your accountant goes through and inputs the information from the tax statement, noting the income, the CGT, but there's also deductions in those statements that they can add as well. So you get ranking credits on dividends. It is income or income tax paid from overseas investments like the S and P 500. There are taxation consequences in, like, The US for investing within The US and things like that. You might get other you know, you might have losses that you might be able to claim against some of the gains to help reduce the income tax payable. So there are positives and negatives to each of the situations. There are, you know, things you have to claim when you tax return income wise, but there's also benefits and things that your accountant can use to offset some of those, if not all of the income and CDTs. So it's just I mean, you could start it for a year. We could look at it after your first tax return, see how it's going, see how it's benefiting you. And if you decide you don't wanna do it anymore, we just close and withdraw it all out for you. Yep. Okay. Yep. No. I get that. Awesome. Oh, well, I'll just Cool. I've held you up for so long again. No. You're fine. I tell you what, Nate. Every time I book you in, I book you in for a long time, and I cancel out most of my afternoon because there's always a lot to go through, and you're so inquisitive.","start_word":13522,"end_word":14097,"sentiment":"neutral","sentiment_score":-0.020370284547324344},{"text":"And I love that.","start_word":14098,"end_word":14101,"sentiment":"positive","sentiment_score":0.6921977400779724},{"text":"So I always make sure I block out the rest of my afternoon for you, so don't worry in any way, shape, or form. It's hot. What time are you expecting to get home Well, I finish here at six normally, but this week, I have not left here before seven, and I've actually been working till midnight most nights this week. So from? Oh, god. At the office or back at home? no. Back at home. I go home and sit in my little office and plug my computer and then keep plugging away, getting Yep.","start_word":14102,"end_word":14198,"sentiment":"neutral","sentiment_score":0.08571983128786087},{"text":"those advice documents sorted and helping our lovely clients along.","start_word":14199,"end_word":14208,"sentiment":"positive","sentiment_score":0.33865076303482056},{"text":"So I'm actually off work tomorrow. So you've got take some time over the weekend to have a read of the document. Let me know if you do have any questions. You've got my email. You can email me. I am technically off tomorrow, but I have a lot of work to do. So I probably will be in and out of my computer around looking after my son and doing the school run. So you can email me any questions you have, and I can talk you through it and see how you're going. All of the advice provided is just advice. It is the recommendation, so it's up to you whether you take on all of them, some of them, or none of them. And on the very last page of the advice document, you have a little text box. So if there's any part of the advice you don't wish to proceed with, we just need to write a little blurb in there, and we're happy, you know, not to proceed with anything that you tell us to not proceed with. Okay? Yep.","start_word":14209,"end_word":14394,"sentiment":"neutral","sentiment_score":0.0614190399646759},{"text":"That's perfect.","start_word":14395,"end_word":14396,"sentiment":"positive","sentiment_score":0.5495059490203857},{"text":"I'll I'll read through it, and I probably will have questions for you, but I'll get That's in touch okay. with you the weekend, Yeah. probably.","start_word":14397,"end_word":14422,"sentiment":"neutral","sentiment_score":0.2016301602125168},{"text":"Not a problem at all. Easy.","start_word":14423,"end_word":14428,"sentiment":"positive","sentiment_score":0.4117791950702667},{"text":"The only other thing to kind of make sure you're aware of is on page 54, it does outline the ongoing service fees there. So it does note down the ongoing service fee. Paid out of super is 1.65%, and then the ongoing service fee paid out of the investment is 1.1%. If your balance gets up over 600,000 between the two, at the moment, we do cap that. So if there's any changes to the fee structure, we'll make sure you're aware of it. But this is the fee structure that you're on currently, and the fees are outlined nice and clear for you. Okay?","start_word":14429,"end_word":14534,"sentiment":"neutral","sentiment_score":0.032202888280153275},{"text":"Thank you again.","start_word":14535,"end_word":14537,"sentiment":"positive","sentiment_score":0.4139558672904968},{"text":"No fees are Alright. automatically deducted out of my investment anyway on Yep. That's correct. Yeah. They're both percentages, so they both do link to the performance of your your investments is and your super. So, again, the same as with the super fee. If anything, if your markets are performing well, the amount we get is a little bit higher. However, if the market does take a bit of a dip, then the amount we receive is a little bit lower as well. Okay? Yep. Awesome.","start_word":14538,"end_word":14624,"sentiment":"neutral","sentiment_score":0.03072362579405308},{"text":"Alright. Perfect. That is good.","start_word":14625,"end_word":14629,"sentiment":"positive","sentiment_score":0.4586637318134308},{"text":"Alright. I'm go I'll go and leave you to anything. Have you got another client or you're done? You're done. Okay. No. No. That is me. I'm gonna do final nights for the afternoon now. That is my last call for the day. Alright. What is it? Twenty five thirty up there. It's 2355. Yeah. Yep. See, it's, yeah, 23 miles deep. Yep. Yep. Yeah. I literally live in New South Wales. I live over the border, so I drive across to Queensland to work every day. So I split myself between time zones. Yep. That's right. You didn't say. Crikey. Yeah. Yep. Yep. Yep. You got to the border. It is. It is.","start_word":14630,"end_word":14743,"sentiment":"neutral","sentiment_score":0.014257934875786304},{"text":"Now it's all good.","start_word":14744,"end_word":14747,"sentiment":"positive","sentiment_score":0.361988753080368},{"text":"It's only for another two weeks, and then we're all back on one time zone again. Yay. Alright.","start_word":14748,"end_word":14765,"sentiment":"neutral","sentiment_score":0.16670148074626925},{"text":"Thank you very much, Dana.","start_word":14766,"end_word":14770,"sentiment":"positive","sentiment_score":0.5486723184585571},{"text":"No worries. And, yeah, I'll talk soon. Yep.","start_word":14771,"end_word":14778,"sentiment":"neutral","sentiment_score":0.12484089471399784},{"text":"No worries. You have a good afternoon, Nate. Thank you so much for your time. You have a good weekend. I'll talk to you soon. You too. I appreciate everything you've done. Cheers. No worries. Have a good one. I'll talk to you later.","start_word":14779,"end_word":14822,"sentiment":"positive","sentiment_score":0.6419203877449036},{"text":"Bye.","start_word":14823,"end_word":14823,"sentiment":"neutral","sentiment_score":0.22881118953227997}],"average":{"sentiment":"neutral","sentiment_score":0.09163313509772895}}}}